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REGULATORY CAPITAL REQUIREMENTS (Tables)
12 Months Ended
Dec. 31, 2024
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]  
Actual Capital Amounts and Ratios of Corporation and Bank
The actual capital amounts and ratios of the Corporation and the Bank are presented in the following tables (in thousands):
 ActualMinimal Capital AdequacyMinimal Capital Adequacy with Capital BufferTo Be Well
Capitalized Under Prompt Corrective Action Provisions
As of December 31, 2024AmountRatioAmountRatioAmountRatioAmountRatio
Total Capital (to Risk Weighted Assets):
Consolidated$280,778 13.35 %N/AN/AN/AN/A N/AN/A
Bank$275,179 13.09 %$168,137 8.00 %$220,680 10.50 %$210,172 10.00 %
Tier 1 Capital (to Risk Weighted Assets):
Consolidated$258,550 12.30 %N/AN/AN/AN/AN/AN/A
Bank$252,950 12.04 %$126,103 6.00 %$178,646 8.50 %$168,137 8.00 %
Common Equity Tier 1 Capital (to Risk Weighted Assets):
Consolidated$258,550 12.30 %N/AN/AN/AN/AN/AN/A
Bank$252,950 12.04 %$94,577 4.50 %$147,120 7.00 %$136,612 6.50 %
Tier 1 Capital (to Average Assets):
Consolidated$258,550 9.18 %N/AN/AN/AN/AN/AN/A
Bank$252,950 8.98 %$112,639 4.00 %N/AN/A$140,799 5.00 %
ActualMinimum Capital AdequacyMinimal Capital Adequacy with Capital BufferTo Be Well Capitalized Under Prompt Corrective Action Provisions
As of December 31, 2023AmountRatioAmountRatioAmountRatioAmountRatio
Total Capital (to Risk Weighted Assets):
Consolidated$262,864 13.26 %N/AN/AN/AN/AN/AN/A
Bank$252,783 12.76 %$158,438 8.00 %$207,950 10.50 %$198,048 10.00 %
Tier 1 Capital (to Risk Weighted Assets):
Consolidated$239,429 12.08 %N/AN/AN/AN/AN/AN/A
Bank$229,348 11.58 %$118,829 6.00 %$168,341 8.50 %$158,438 8.00 %
Common Equity Tier 1 Capital (to Risk Weighted Assets):
Consolidated$239,429 12.08 %N/AN/AN/AN/AN/AN/A
Bank$229,348 11.58 %$89,122 4.50 %$138,634 7.00 %$128,731 6.50 %
Tier 1 Capital (to Average Assets):
Consolidated$239,429 8.62 %N/AN/AN/AN/AN/AN/A
Bank$229,348 8.26 %$111,034 4.00 %N/AN/A$138,792 5.00 %