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REGULATORY MATTERS (Tables)
 12 Months Ended
Dec. 31, 2019
REGULATORY MATTERS [Abstract]  
Capital Ratios under Banking Regulations
The Bank’s computed risk‑based capital ratios are as follows as of December 31, 2019 and 2018 (dollars in thousands):

 
 
Actual
  
For Capital Adequacy Purposes
  
To Be Well Capitalized Under Prompt Corrective Action Provisions
 
2019
 
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
Total Capital (to Risk Weighted Assets):
 
Company
 
$
154,708
   
14.04
%
 
$
88,166
   
8.00
%
 
$
110,208
   
10.00
%
  Bank
 
$
146,925
   
13.34
%
 
$
88,102
   
8.00
%
 
$
110,128
   
10.00
%
 
                        
Tier 1 Capital (to Risk Weighted Assets):
 
Company
 
$
140,929
   
12.79
%
 
$
66,125
   
6.00
%
 
$
88,166
   
8.00
%
  Bank
 
$
133,156
   
12.09
%
 
$
66,077
   
6.00
%
 
$
88,102
   
8.00
%
 
                        
Common Equity Tier 1 Capital (to Risk Weighted Assets):
 
Company
 
$
133,429
   
12.11
%
 
$
49,593
   
4.50
%
 
$
71,635
   
6.50
%
  Bank
 
$
133,156
   
12.09
%
 
$
49,557
   
4.50
%
 
$
71,583
   
6.50
%
 
                        
Tier 1 Capital (to Average Assets):
 
Company
 
$
140,929
   
9.77
%
 
$
57,705
   
4.00
%
 
$
72,132
   
5.00
%
  Bank
 
$
133,156
   
9.23
%
 
$
57,681
   
4.00
%
 
$
72,101
   
5.00
%
 
                        
 
 
Actual
  
For Capital Adequacy Purposes
  
To Be Well Capitalized Under Prompt Corrective Action Provisions
 
2018
 
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
Total Capital (to Risk Weighted Assets):
 
Company
 
$
141,272
   
13.42
%
 
$
84,227
   
8.00
%
 
$
105,284
   
10.00
%
  Bank
 
$
134,841
   
12.82
%
 
$
84,141
   
8.00
%
 
$
105,176
   
10.00
%
 
                        
Tier 1 Capital (to Risk Weighted Assets):
 
Company
 
$
128,224
   
12.18
%
 
$
63,171
   
6.00
%
 
$
84,227
   
8.00
%
  Bank
 
$
121,792
   
11.58
%
 
$
63,106
   
6.00
%
 
$
84,141
   
8.00
%
 
                        
Common Equity Tier 1 Capital (to Risk Weighted Assets):
 
Company
 
$
120,724
   
11.47
%
 
$
47,378
   
4.50
%
 
$
68,435
   
6.50
%
  Bank
 
$
121,792
   
11.58
%
 
$
47,329
   
4.50
%
 
$
68,364
   
6.50
%
 
                        
Tier 1 Capital (to Average Assets):
 
Company
 
$
128,224
   
9.15
%
 
$
56,041
   
4.00
%
 
$
70,051
   
5.00
%
  Bank
 
$
121,792
   
8.70
%
 
$
56,018
   
4.00
%
 
$
70,023
   
5.00
%