REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2025

REGULATORY MATTERS

Schedule of capital ratios


															Minimum To Be Well
							Minimum				Minimum To Maintain				Capitalized Under				Minimum To Meet
							Capital				Capital Conservation				Prompt Corrective				the Corporation's
		Actual					Requirement				Buffer at Reporting Date				Action Provisions				Policy Thresholds
(Dollars In Thousands)			Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount			Ratio
December 31, 2025:
Total capital to risk-weighted assets:
Consolidated		$	346,139		14.45	%	191,582		³8	%	251,452		³10.5	%	239,478		³10	%	$	263,425		³11	%
C&N Bank			330,427		13.82	%	191,318		³8	%	251,105		³10.5	%	239,148		³10	%		263,062		³11	%
Tier 1 capital to risk-weighted assets:
Consolidated			291,746		12.18	%	143,687		³6	%	203,556		³8.5	%	191,582		³8	%		215,530		³9	%
C&N Bank			300,983		12.59	%	143,489		³6	%	203,275		³8.5	%	191,318		³8	%		215,233		³9	%
Common equity tier 1 capital to risk-weighted assets:
Consolidated			291,746		12.18	%	107,765		³4.5	%	167,634		³7.0	%	155,661		³6.5	%		179,608		³7.5	%
C&N Bank			300,983		12.59	%	107,616		³4.5	%	167,403		³7.0	%	155,446		³6.5	%		179,361		³7.5	%
Tier 1 capital to average assets:
Consolidated			291,746		9.32	%	125,149		³4	%	N/A		N/A		156,437		³5	%		250,299		³8	%
C&N Bank			300,983		9.66	%	124,597		³4	%	N/A		N/A		155,747		³5	%		249,195		³8	%

December 31, 2024:
Total capital to risk-weighted assets:
Consolidated		$	302,783		15.95	%	N/A		N/A		N/A		N/A		N/A		N/A		$	208,779		³11	%
C&N Bank			287,721		15.19	%	151,567		³8	%	198,832		³10.5	%	189,459		³10	%		208,405		³11	%
Tier 1 capital to risk-weighted assets:
Consolidated			257,462		13.56	%	N/A		N/A		N/A		N/A		N/A		N/A			170,819		³9	%
C&N Bank			267,231		14.10	%	113,675		³6	%	161,040		³8.5	%	151,567		³8	%		170,513		³9	%
Common equity tier 1 capital to risk-weighted assets:
Consolidated			257,462		13.56	%	N/A		N/A		N/A		N/A		N/A		N/A			142,349		³7.5	%
C&N Bank			267,231		14.10	%	85,256		³4.5	%	132,621		³7.0	%	123,148		³6.5	%		142,094		³7.5	%
Tier 1 capital to average assets:
Consolidated			257,462		9.80	%	N/A		N/A		N/A		N/A		N/A		N/A			210,160		³8	%
C&N Bank			267,231		10.23	%	104,514		³4	%	N/A		N/A		130,642		³5	%		209,027		³8	%

Schedule of minimum risk-based capital ratios, and the capital ratios including the capital conservation buffer


Minimum common equity tier 1 capital ratio	4.5	%
Minimum common equity tier 1 capital ratio plus capital conservation buffer	7.0	%
Minimum tier 1 capital ratio	6.0	%
Minimum tier 1 capital ratio plus capital conservation buffer	8.5	%
Minimum total capital ratio	8.0	%
Minimum total capital ratio plus capital conservation buffer	10.5	%

Schedule of summary of payout restrictions based on the capital conservation buffer


Capital Conservation Buffer		Maximum Payout
(as a % of risk-weighted assets)		(as a % of eligible retained income)
Greater than 2.5%		No payout limitation applies
≤2.5% and >1.875%		60	%
≤1.875% and >1.25%		40	%
≤1.25% and >0.625%		20	%
≤0.625%		0	%