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Regulatory Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2023

Banking and Thrift, Other Disclosure [Abstract]

Schedule of Actual Capital Amounts and Ratios

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

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, 2023









Community Bank leverage ratio
Subsidiary bank	$	348,760	10.5%	$	264,484	8.0%		$	297,544	9.0%

As of December 31, 2022












Community Bank leverage ratio

Subsidiary bank	$	307,936	9.8%	$	250,675	8.0%		$	282,010	9.0%