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REGULATORY MATTERS (Tables)

3 Months Ended

Mar. 31, 2026

REGULATORY MATTERS

Capital Amounts and Ratios

The following table sets forth the Bank’s actual and required capital amounts (in thousands) and ratios under current regulations:


												Minimum Capital					Minimum to Be Well
												Adequacy Requirement					Capitalized Under
							Minimum Capital					with Capital					Prompt Corrective
		Actual Capital					Adequacy Requirement					Conservation Buffer					Action Provisions
		Amount			Ratio		Amount			Ratio		Amount			Ratio		Amount			Ratio
March 31, 2026
Total capital to risk-weighted assets		$	229,949		14.57	%	$	126,248		8.00	%	$	165,700		10.50	%	$	157,809		10.00	%
Tier 1 capital to risk-weighted assets			210,222		13.32	%		94,686		6.00	%		134,138		8.50	%		126,248		8.00	%
Common equity tier 1 capital to risk-weighted assets			210,222		13.32	%		71,014		4.50	%		110,467		7.00	%		102,576		6.50	%
Tier 1 capital to average total assets			210,222		9.20	%		91,414		4.00	%		N/A		N/A			114,268		5.00	%

December 31, 2025
Total capital to risk-weighted assets		$	222,739		14.06	%	$	126,770		8.00	%	$	166,385		10.50	%	$	158,462		10.00	%
Tier 1 capital to risk-weighted assets			204,431		12.90	%		95,077		6.00	%		134,693		8.50	%		126,770		8.00	%
Common equity tier 1 capital to risk-weighted assets			204,431		12.90	%		71,308		4.50	%		110,923		7.00	%		103,000		6.50	%
Tier 1 capital to average total assets			204,431		9.05	%		90,398		4.00	%		N/A		N/A			112,997		5.00	%