REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2025

Actual and required capital amounts and ratios for the Bank are presented below at December 31, 2025:


	Actual				Required for Capital Adequacy Purposes				To be Well Capitalized Under Prompt Corrective Action Regulations
	Amount		Ratio		Amount		Ratio		Amount		Ratio
Total Capital
(to Risk Weighted Assets)	$	98,560	10.18	%	$	77,441	8.00	%	$	96,802	10.00	%
Tier 1 Capital
(to Risk Weighted Assets)	$	86,337	8.92	%	$	58,081	6.00	%	$	77,441	8.00	%
Common Equity Tier 1 Capital
(to Risk Weighted Assets)	$	86,337	8.92	%	$	43,561	4.50	%	$	62,921	6.50	%
Tier 1 Capital
(to Average Assets)	$	86,337	6.52	%	$	52,983	4.00	%	$	66,229	5.00	%

Actual and required capital amounts and ratios for the Bank are presented below at December 31, 2024:


	Actual				Required for Capital Adequacy Purposes				To be Well Capitalized Under Prompt Corrective Action Regulations
	Amount		Ratio		Amount		Ratio		Amount		Ratio
Total Capital
(to Risk Weighted Assets)	$	124,420	12.14	%	$	81,985	8.00	%	$	102,482	10.00	%
Tier 1 Capital
(to Risk Weighted Assets)	$	111,586	10.89	%	$	61,489	6.00	%	$	81,985	8.00	%
Common Equity Tier 1 Capital
(to Risk Weighted Assets)	$	111,586	10.89	%	$	46,117	4.50	%	$	66,613	6.50	%
Tier 1 Capital
(to Average Assets)	$	111,586	8.82	%	$	50,579	4.00	%	$	63,224	5.00	%