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Regulatory Matters (Tables)
12 Months Ended
Dec. 31, 2024
Regulatory Matters  
Bank's actual capital amounts and ratios

(Dollars in thousands)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Actual

 

 

Minimum

Regulatory Capital

Ratio

 

 

Minimum Ratio plus

Capital Conservation

Buffer

 

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31, 2024:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Capital (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$195,816

 

 

 

15.34%

 

 

102,127

 

 

 

8.00%

 

 

N/A

 

 

 

N/A

 

Bank

 

 

194,314

 

 

 

15.22%

 

 

102,116

 

 

 

8.00%

 

 

134,027

 

 

 

10.50%

Tier 1 Capital (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

184,720

 

 

 

14.47%

 

 

76,595

 

 

 

6.00%

 

 

N/A

 

 

 

N/A

 

Bank

 

 

183,218

 

 

 

14.35%

 

 

76,587

 

 

 

6.00%

 

 

108,498

 

 

 

8.50%

Tier 1 Capital (to Average Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

184,720

 

 

 

10.88%

 

 

67,896

 

 

 

4.00%

 

 

N/A

 

 

 

N/A

 

Bank

 

 

183,218

 

 

 

10.71%

 

 

68,441

 

 

 

4.00%

 

 

68,441

 

 

 

4.00%

Common Equity Tier 1 (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

169,720

 

 

 

13.29%

 

 

57,446

 

 

 

4.50%

 

 

N/A

 

 

 

N/A

 

Bank

 

 

183,218

 

 

 

14.35%

 

 

57,440

 

 

 

4.50%

 

 

89,351

 

 

 

7.00%

(Dollars in thousands)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Actual

 

 

Minimum

Regulatory Capital

Ratio

 

 

Minimum Ratio plus

Capital Conservation

Buffer

 

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31, 2023:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Capital (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$188,192

 

 

 

14.96%

 

 

100,636

 

 

 

8.00%

 

 

N/A

 

 

 

N/A

 

Bank

 

 

186,774

 

 

 

14.85%

 

 

100,636

 

 

 

8.00%

 

 

132,085

 

 

 

10.50%

Tier 1 Capital (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

175,381

 

 

 

13.94%

 

 

75,477

 

 

 

6.00%

 

 

N/A

 

 

 

N/A

 

Bank

 

 

173,963

 

 

 

13.83%

 

 

75,477

 

 

 

6.00%

 

 

106,926

 

 

 

8.50%

Tier 1 Capital (to Average Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

175,381

 

 

 

10.51%

 

 

66,757

 

 

 

4.00%

 

 

N/A

 

 

 

N/A

 

Bank

 

 

173,963

 

 

 

10.35%

 

 

67,254

 

 

 

4.00%

 

 

67,254

 

 

 

4.00%

Common Equity Tier 1 (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

160,381

 

 

 

12.75%

 

 

56,608

 

 

 

4.50%

 

 

N/A

 

 

 

N/A

 

Bank

 

 

173,963

 

 

 

13.83%

 

 

56,608

 

 

 

4.50%

 

 

88,057

 

 

 

7.00%