REGULATORY MATTERS (Tables)

3 Months Ended

Mar. 31, 2026

Actual and required capital amounts and ratios for the Bank are presented below at March 31, 2026:


	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)	$	90,664	9.84	%	$	73,713	8.00	%	$	92,141	10.00	%
Tier 1 Capital
(to Risk Weighted Assets)	$	79,025	8.58	%	$	55,285	6.00	%	$	73,713	8.00	%
Common Equity Tier 1 Capital
(to Risk Weighted Assets)	$	79,025	8.58	%	$	41,464	4.50	%	$	59,892	6.50	%
Tier 1 Capital
(to Average Assets)	$	79,025	6.54	%	$	48,304	4.00	%	$	60,380	5.00	%

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	%