REGULATORY CAPITAL REQUIREMENTS (Tables)

3 Months Ended

Dec. 31, 2023

REGULATORY CAPITAL REQUIREMENTS

REGULATORY CAPITAL REQUIREMENTS

										Minimum to be Well
										Capitalized Under Prompt
					Minimum Capital					Corrective Action
	Actual				Requirement					Provisions
	Amount ($)		Ratio (%)		Amount ($)			Ratio (%)		Amount ($)			Ratio (%)
	(In Thousands)
As of December 31, 2023 (unaudited)
Total Capital (to Risk-Weighted Assets)	$	25,877	23.0	≥	$	8,998	≥	8.0	≥	$	11,248	≥	10.0
Tier 1 Capital (to Risk-Weighted Assets)		24,786	22.0	≥		6,749	≥	6.0	≥		8,998	≥	8.0
Tier 1 Common Equity (to Risk-Weighted Assets)		24,786	22.0	≥		5,062	≥	4.5	≥		7,311	≥	6.5
Tier 1 Leverage Ratio (to Adjusted Total Assets)		24,786	12.3	≥		8,059	≥	4.0	≥		10,074	≥	5.0
Capital Conservation Buffer on Tier 1 Common Equity		25,877	15.0	≥		7,874	≥	7.0	≥		N/A	≥	N/A
As of September 30, 2023
Total Capital (to Risk-Weighted Assets)	$	21,906	19.4	≥	$	9,020	≥	8.0	≥	$	11,275	≥	10.0
Tier 1 Capital (to Risk-Weighted Assets)		21,283	18.9	≥		6,765	≥	6.0	≥		9,019	≥	8.0
Tier 1 Common Equity (to Risk-Weighted Assets)		21,283	18.9	≥		5,074	≥	4.5	≥		7,329	≥	6.5
Tier 1 Leverage Ratio (to Adjusted Total Assets)		21,283	10.6	≥		8,022	≥	4.0	≥		10,027	≥	5.0
Capital Conservation Buffer on Tier 1 Common Equity		21,906	11.4	≥		7,892	≥	7.0	≥		N/A	≥	N/A

Muni Bank

REGULATORY CAPITAL REQUIREMENTS

REGULATORY CAPITAL REQUIREMENTS

										Minimum to be Well
										Capitalized Under Prompt
					Minimum Capital					Corrective Action
	Actual				Requirement					Provisions
	Amount ($)		Ratio (%)		Amount ($)			Ratio (%)		Amount ($)			Ratio (%)
	(In Thousands)
As of December 31, 2023 (unaudited)
Total Capital (to Risk-Weighted Assets)	$	13,260	184.8	≥	$	574	≥	8.0	≥	$	718	≥	10.0
Tier 1 Capital (to Risk-Weighted Assets)		13,260	184.8	≥		431	≥	6.0	≥		574	≥	8.0
Tier 1 Common Equity (to Risk-Weighted Assets)		13,260	184.8	≥		323	≥	4.5	≥		466	≥	6.5
Tier 1 Leverage Ratio (to Adjusted Total Assets)		13,260	39.2	≥		1,355	≥	4.0	≥		1,693	≥	5.0
Capital Conservation Buffer on Tier 1 Common Equity		13,260	176.8	≥		502	≥	7.0	≥		N/A	≥	N/A
As of September 30, 2023
Total Capital (to Risk-Weighted Assets)	$	13,053	245.8	≥	$	425	≥	8.0	≥	$	531	≥	10.0
Tier 1 Capital (to Risk-Weighted Assets)		13,053	245.8	≥		319	≥	6.0	≥		425	≥	8.0
Tier 1 Common Equity (to Risk-Weighted Assets)		13,053	245.8	≥		239	≥	4.5	≥		345	≥	6.5
Tier 1 Leverage Ratio (to Adjusted Total Assets)		13,053	37.4	≥		1,394	≥	4.0	≥		1,743	≥	5.0
Capital Conservation Buffer on Tier 1 Common Equity		13,053	237.8	≥		372	≥	7.0	≥		N/A	≥	N/A