REGULATORY CAPITAL MATTERS (Tables)

9 Months Ended

Sep. 30, 2026

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
September 30, 2026	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	283,935	10.79	%	$	157,957	6.0	%	$	210,610	8.0	%
Consolidated	257,194		9.76		N/A		N/A		N/A		N/A
CET1 to risk-weighted assets
Bank	283,935		10.79		118,468		4.5		171,120		6.5
Consolidated	257,194		9.76		N/A		N/A		N/A		N/A
Total capital to risk-weighted assets
Bank	305,507		11.60		210,610		8.0		263,262		10.0
Consolidated	310,766		11.80		N/A		N/A		N/A		N/A
Tier 1 capital to average assets
Bank	283,935		8.92		127,298		4.0		159,122		5.0
Consolidated	257,194		8.08		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, 2025	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	273,025	11.15	%	$	146,854	6.0	%	$	195,805	8.0	%
Consolidated	238,886		9.75		N/A		N/A		N/A		N/A
CET1 to risk-weighted assets
Bank	273,025		11.15		110,140		4.5		159,092		6.5
Consolidated	238,886		9.75		N/A		N/A		N/A		N/A
Total capital to risk-weighted assets
Bank	293,487		11.99		195,805		8.0		244,756		10.0
Consolidated	302,347		12.34		N/A		N/A		N/A		N/A
Tier 1 capital to average assets
Bank	273,025		8.79		124,259		4.0		155,324		5.0
Consolidated	238,886		7.68		N/A		N/A		N/A		N/A

______________________________________

(1)Does not include capital conservation buffer.