v3.26.1
CAPITAL MATTERS
 6 Months Ended
Jun. 30, 2026
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]  
CAPITAL MATTERS CAPITAL MATTERS
Banks and bank holding companies are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and, additionally for banks, prompt corrective action regulations involve quantitative measures of assets, liabilities and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators. Failure to meet capital requirements can initiate regulatory action.
Prompt corrective action regulations provide five classifications: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized. Although these terms are not used to represent overall financial condition, if adequately capitalized, regulatory approval is required to accept brokered deposits. If undercapitalized, capital distributions are limited, as is asset growth and expansion, and capital restoration plans are required. At June 30, 2026, the Bank was categorized as “Well Capitalized”, under Prompt Corrective Action Provisions.
The Bank’s Tier 1 (leverage) and risk-based capital ratios at June 30, 2026 and December 31, 2025, respectively, are presented below:
ActualFor Capital Adequacy
Purposes		To Be Well Capitalized
Under Prompt Corrective
Action Provisions
AmountRatioAmountRatioAmountRatio
As of June 30, 2026
Total capital (to risk weighted assets)$217,120 14.2 %$122,375 > =8.0 %$152,969 > =10.0 %
Tier 1 capital (to risk weighted assets)197,910 12.9 %91,781 > =6.0 %122,375 > =8.0 %
Common equity tier 1 capital (to risk weighted assets)197,910 12.9 %68,836 > =4.5 %99,430 > =6.5 %
Tier 1 leverage ratio (to adjusted total assets)197,910 11.2 %70,602 > =4.0 %88,252 > =5.0 %
As of December 31, 2025
Total capital (to risk weighted assets)$212,898 14.6 %$116,492 > =8.0 %$145,615 > =10.0 %
Tier 1 capital (to risk weighted assets)194,639 13.4 %87,369 > =6.0 %116,492 > =8.0 %
Common equity tier 1 capital (to risk weighted assets)194,639 13.4 %65,527 > =4.5 %94,650 > =6.5 %
Tier 1 leverage ratio (to adjusted total assets)194,639 11.3 %68,711 > =4.0 %85,888 > =5.0 %
The Company’s Tier 1 (leverage) and risk-based capital ratios at June 30, 2026 and December 31, 2025, respectively, are presented below:
ActualFor Capital Adequacy
Purposes
AmountRatioAmountRatio
As of June 30, 2026
Total capital (to risk weighted assets)$225,950 14.7 %$122,605 > =8.0 %
Tier 1 capital (to risk weighted assets) 171,704 11.2 %91,954 > =6.0 %
Common equity tier 1 capital (to risk weighted assets) 171,704 11.2 %68,965 > =4.5 %
Tier 1 leverage ratio (to adjusted total assets) 171,704 9.7 %70,715 > =4.0 %
As of December 31, 2025
Total capital (to risk weighted assets)$222,910 15.3 %$116,686 > =8.0 %
Tier 1 capital (to risk weighted assets) 169,621 11.6 %87,514 > =6.0 %
Common equity tier 1 capital (to risk weighted assets) 169,621 11.6 %65,636 > =4.5 %
Tier 1 leverage ratio (to adjusted total assets) 169,621 9.9 %68,806 > =4.0 %