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CAPITAL MATTERS (Tables)

3 Months Ended

Mar. 31, 2025

Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]

Schedule of Bank’s Tier 1 (Leverage) and Risk-Based Capital Ratios

The Bank’s Tier 1 (leverage) and risk-based capital ratios at March 31, 2025, and December 31, 2024, respectively, are presented below:

						Actual												For Capital Adequacy Purposes																		To Be Well Capitalized Under Prompt Corrective Action Provisions
						Amount						Ratio						Amount												Ratio						Amount												Ratio
As of March 31, 2025
Total capital (to risk weighted assets)						$	225,675					15.6		%				$	115,795					> =						8.0		%				$	144,744					> =						10.0		%
Tier 1 capital (to risk weighted assets)						207,551						14.3		%				86,846						> =						6.0		%				115,795						> =						8.0		%
Common equity tier 1 capital (to risk weighted assets)						207,551						14.3		%				65,135						> =						4.5		%				94,084						> =						6.5		%
Tier 1 leverage ratio (to adjusted total assets)						207,551						12.0		%				69,020						> =						4.0		%				86,275						> =						5.0		%
As of December 31, 2024
Total capital (to risk weighted assets)						$	225,432					15.6		%				$	115,755					> =						8.0		%				$	144,693					> =						10.0		%
Tier 1 capital (to risk weighted assets)						207,749						14.4		%				86,816						> =						6.0		%				115,755						> =						8.0		%
Common equity tier 1 capital (to risk weighted assets)						207,749						14.4		%				65,112						> =						4.5		%				94,051						> =						6.5		%
Tier 1 leverage ratio (to adjusted total assets)						207,749						11.9		%				69,787						> =						4.0		%				87,234						> =						5.0		%

The Company’s Tier 1 (leverage) and risk-based capital ratios at March 31, 2025 and December 31, 2024, respectively, are presented below:

						Actual												For Capital Adequacy Purposes
						Amount						Ratio						Amount												Ratio
As of March 31, 2025
Total capital (to risk weighted assets)						$	231,949					16.0		%				$	115,988					> =						8.0		%
Tier 1 capital (to risk weighted assets)						163,825						11.3		%				86,991						> =						6.0		%
Common equity tier 1 capital (to risk weighted assets)						163,825						11.3		%				65,243						> =						4.5		%
Tier 1 leverage ratio (to adjusted total assets)						163,825						9.5		%				69,117						> =						4.0		%
As of December 31, 2024
Total capital (to risk weighted assets)						$	232,926					16.1		%				$	115,914					> =						8.0		%
Tier 1 capital (to risk weighted assets)						165,243						11.4		%				86,936						> =						6.0		%
Common equity tier 1 capital (to risk weighted assets)						165,243						11.4		%				65,202						> =						4.5		%
Tier 1 leverage ratio (to adjusted total assets)						165,243						9.5		%				69,867						> =						4.0		%

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- References

No definition available.

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- Definition

Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1B

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