Regulatory Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2022

Banking and Thrift, Other Disclosure [Abstract]

Our actual capital amounts and ratio is presented in the table below.

In April 2020, under the CARES Act, the 9% leverage ratio threshold was temporarily reduced to 8% in response to the COVID-19 pandemic. The threshold increased to 8.5% in 2021 and has returned to 9% in 2022. The Bank elected to begin using the CBLR for the first quarter of 2021 and intends to utilize this measure for the foreseeable future. Eligibility criteria to utilize the CBLR includes the following:

● Total assets of less than $10 billion;

● Total trading assets plus liabilities of 5% or less of consolidated assets;

● Total off-balance sheet exposures of 25% or less of consolidated assets;

● Cannot be an advanced approaches banking organization; and

● Leverage ratio greater than 9% or temporarily prescribed threshold established in response to COVID-19.


	Actual			Minimum Capital Requirement			Minimum to be Well Capitalized
(Dollars in thousands)	Amount		Ratio	Amount		Ratio		Amount		Ratio
As of December 31, 2022









Community Bank leverage ratio
Subsidiary bank	$	307,936	9.8%	$	250,675	8.0%		$	282,010	9.0%

As of December 31, 2021












Community Bank leverage ratio

Subsidiary bank	$	321,282	11.6%	$	208,344	7.5%		$	236,123	8.5%