REGULATORY CAPITAL MATTERS (Tables)

6 Months Ended

Jun. 30, 2026

The following presents the actual and required capital amounts and ratios as of dates noted (dollars in thousands):


	Actual				Required for Capital Adequacy Purposes(1)				To be Well Capitalized Under Prompt Corrective Action Regulations
June 30, 2026	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	286,540	11.37	%	$	151,233	6.0	%	$	201,644	8.0	%
Consolidated	250,490		9.93		N/A		N/A		N/A		N/A
CET1 to risk-weighted assets
Bank	286,540		11.37		113,425		4.5		163,836		6.5
Consolidated	250,490		9.93		N/A		N/A		N/A		N/A
Total capital to risk-weighted assets
Bank	307,584		12.20		201,644		8.0		252,055		10.0
Consolidated	314,533		12.47		N/A		N/A		N/A		N/A
Tier 1 capital to average assets
Bank	286,540		9.22		124,267		4.0		155,334		5.0
Consolidated	250,489		8.06		N/A		N/A		N/A		N/A


	Actual				Required for Capital Adequacy Purposes(1)				To be Well Capitalized Under Prompt Corrective Action Regulations
December 31, 2025	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	273,025	11.15	%	$	146,854	6.0	%	$	195,805	8.0	%
Consolidated	238,886		9.75		N/A		N/A		N/A		N/A
CET1 to risk-weighted assets
Bank	273,025		11.15		110,140		4.5		159,092		6.5
Consolidated	238,886		9.75		N/A		N/A		N/A		N/A
Total capital to risk-weighted assets
Bank	293,487		11.99		195,805		8.0		244,756		10.0
Consolidated	302,347		12.34		N/A		N/A		N/A		N/A
Tier 1 capital to average assets
Bank	273,025		8.79		124,259		4.0		155,324		5.0
Consolidated	238,886		7.68		N/A		N/A		N/A		N/A

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(1)Does not include capital conservation buffer.