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SHAREHOLDERS’ EQUITY, CAPITAL REQUIREMENTS AND DIVIDEND RESTRICTIONS (Tables)
 12 Months Ended
Dec. 31, 2024
Equity [Abstract]  
Schedule of actual capital amounts and ratios as well as minimum amounts for each regulatory defined category for the bank and the company

The Bank exceeded the minimum regulatory capital ratios at December 31, 2024 and 2023, as set forth in the following table: 

 

(In thousands)  Minimum
Required
Amount		   %   Actual
Amount		   %   Excess
Amount		   % 
The Bank(1)(2):                              
December 31, 2024                              
Risk Based Capital                              
Tier 1  $76,653    6.0%  $164,397    12.9%  $87,744    6.9%
Total Capital  $102,204    8.0%  $178,034    13.9%  $75,830    5.9%
CET1  $57,490    4.5%  $164,397    12.9%  $106,907    8.4%
Tier 1 Leverage  $78,274    4.0%  $164,397    8.4%  $86,123    4.4%
December 31, 2023                              
Risk Based Capital                              
Tier 1  $73,696    6.0%  $153,859    12.5%  $80,163    6.5%
Total Capital  $98,261    8.0%  $166,752    13.6%  $68,491    5.6%
CET1  $55,272    4.5%  $153,859    12.5%  $98,587    8.0%
Tier 1 Leverage  $72,830    4.0%  $153,859    8.5%  $81,029    4.5%

 

(1) As a small bank holding company, the Company is generally not subject to the capital requirements unless otherwise advised by the Federal Reserve.

(2) Ratios do not include the capital conservation buffer of 2.5%.