REGULATORY CAPITAL MATTERS (Tables)

6 Months Ended

Jun. 30, 2025

The following presents the actual and required capital amounts and ratios as of dates noted (dollars in thousands):


	Actual				Required for Capital Adequacy Purposes(1)				To be Well Capitalized Under Prompt Corrective Action Regulations
June 30, 2025	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	264,054	11.36	%	$	139,496	6.0	%	$	185,995	8.0	%
Consolidated	231,538		9.96		N/A		N/A		N/A		N/A
CET1 to risk-weighted assets
Bank	264,054		11.36		104,622		4.5		151,121		6.5
Consolidated	231,538		9.96		N/A		N/A		N/A		N/A
Total capital to risk-weighted assets
Bank	282,002		12.13		185,995		8.0		232,494		10.0
Consolidated	294,486		12.67		N/A		N/A		N/A		N/A
Tier 1 capital to average assets
Bank	264,054		9.49		111,289		4.0		139,111		5.0
Consolidated	231,538		8.31		N/A		N/A		N/A		N/A


	Actual				Required for Capital Adequacy Purposes(1)				To be Well Capitalized Under Prompt Corrective Action Regulations
December 31, 2024	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	256,419	11.41	%	$	134,831	6.0	%	$	179,774	8.0	%
Consolidated	226,244		10.07		N/A		N/A		N/A		N/A
CET1 to risk-weighted assets
Bank	256,419		11.41		101,123		4.5		146,067		6.5
Consolidated	226,244		10.07		N/A		N/A		N/A		N/A
Total capital to risk-weighted assets
Bank	271,981		12.10		179,774		8.0		224,718		10.0
Consolidated	294,807		13.12		N/A		N/A		N/A		N/A
Tier 1 capital to average assets
Bank	256,419		8.94		114,681		4.0		143,351		5.0
Consolidated	226,244		7.88		N/A		N/A		N/A		N/A

______________________________________

(1)Does not include capital conservation buffer.