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CAPITAL MATTERS (Tables) | 9 Months Ended
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Sep. 30, 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 September 30, 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 September 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total capital (to risk weighted assets) |  | $ | 227,075 |  |  | 15.9 | % |  | $ | 114,476 |  |  | > = |  | 8.0 | % |  | $ | 143,095 |  |  | > = |  | 10.0 | %
Tier 1 capital (to risk weighted assets) |  | 209,130 |  |  | 14.6 | % |  | 85,857 |  |  | > = |  | 6.0 | % |  | 114,476 |  |  | > = |  | 8.0 | %
Common equity tier 1 capital (to risk weighted assets) |  | 209,130 |  |  | 14.6 | % |  | 64,393 |  |  | > = |  | 4.5 | % |  | 93,012 |  |  | > = |  | 6.5 | %
Tier 1 leverage ratio (to adjusted total assets) |  | 209,130 |  |  | 12.2 | % |  | 68,356 |  |  | > = |  | 4.0 | % |  | 85,444 |  |  | > = |  | 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 September 30, 2025, and December 31, 2024, respectively, are presented below:
|  | Actual |  | For Capital Adequacy Purposes |  |
|  | Amount |  | Ratio |  | Amount |  |  |  | Ratio |  |  |  |  |  |
As of September 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total capital (to risk weighted assets) |  | $ | 222,117 |  |  | 15.5 | % |  | $ | 114,654 |  |  | > = |  | 8.0 | % |  |  |  |  |  |
Tier 1 capital (to risk weighted assets) |  | 169,144 |  |  | 11.8 | % |  | 85,990 |  |  | > = |  | 6.0 | % |  |  |  |  |  |
Common equity tier 1 capital (to risk weighted assets) |  | 169,144 |  |  | 11.8 | % |  | 64,493 |  |  | > = |  | 4.5 | % |  |  |  |  |  |
Tier 1 leverage ratio (to adjusted total assets) |  | 169,144 |  |  | 9.9 | % |  | 68,443 |  |  | > = |  | 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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- 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 + Details
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