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Regulatory Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2024

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

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%.


	Actual			Minimum Capital Requirement			Minimum to be Well Capitalized
(Dollars in thousands)	Amount		Ratio	Amount		Ratio		Amount		Ratio
As of December 31, 2024









Community Bank leverage ratio
Subsidiary bank	$	348,175	11.2%	$	249,185	8.0%		$	280,333	9.0%

As of December 31, 2023












Community Bank leverage ratio

Subsidiary bank	$	348,760	10.5%	$	264,484	8.0%		$	297,544	9.0%