| Summary of company and the Bank's capital amounts and ratios |
The following tables present the capital amounts and ratios for the Company, on a consolidated basis, and the Bank as of June 30, 2025 and December 31, 2024: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Minimum Required | | For Capital Adequacy | | To be Well Capitalized | | | | | | | | | For Capital Adequacy | | Purposes Plus Capital | | Under Prompt Corrective | | | | Actual | | Purposes | | Conservation Buffer | | Action Regulations | | (dollars in thousands) | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | June 30, 2025 | | | | | | | | | | | | | | | | | | | | | | Company (Consolidated): | | | | | | | | | | | | | | | | | | | | | | Total Risk-based Capital | | $ | 638,131 | | 14.17 | % | $ | 360,228 | | 8.00 | % | $ | 472,799 | | 10.50 | % | | N/A | | N/A | | Tier 1 Risk-based Capital | | | 473,118 | | 10.51 | | | 270,171 | | 6.00 | | | 382,742 | | 8.50 | | | N/A | | N/A | | Common Equity Tier 1 Capital | | | 406,604 | | 9.03 | | | 202,628 | | 4.50 | | | 315,200 | | 7.00 | | | N/A | | N/A | | Tier 1 Leverage Ratio | | | 473,118 | | 9.14 | | | 207,099 | | 4.00 | | | 207,099 | | 4.00 | | | N/A | | N/A | | Bank: | | | | | | | | | | | | | | | | | | | | | | Total Risk-based Capital | | $ | 602,742 | | 13.41 | % | $ | 359,617 | | 8.00 | % | $ | 471,997 | | 10.50 | % | $ | 449,521 | | 10.00 | % | Tier 1 Risk-based Capital | | | 546,513 | | 12.16 | | | 269,713 | | 6.00 | | | 382,093 | | 8.50 | | | 359,617 | | 8.00 | | Common Equity Tier 1 Capital | | | 546,513 | | 12.16 | | | 202,285 | | 4.50 | | | 314,665 | | 7.00 | | | 292,189 | | 6.50 | | Tier 1 Leverage Ratio | | | 546,513 | | 10.58 | | | 206,577 | | 4.00 | | | 206,577 | | 4.00 | | | 258,221 | | 5.00 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | Minimum Required | | For Capital Adequacy | | To be Well Capitalized | | | | | | | | | For Capital Adequacy | | Purposes Plus Capital | | Under Prompt Corrective | | | | Actual | | Purposes | | Conservation Buffer | | Action Regulations | | (dollars in thousands) | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | December 31, 2024 | | | | | | | | | | | | | | | | | | | | | | Company (Consolidated): | | | | | | | | | | | | | | | | | | | | | | Total Risk-based Capital | | $ | 585,966 | | 13.76 | % | $ | 340,581 | | 8.00 | % | $ | 447,013 | | 10.50 | % | | N/A | | N/A | | Tier 1 Risk-based Capital | | | 453,049 | | 10.64 | | | 255,436 | | 6.00 | | | 361,867 | | 8.50 | | | N/A | | N/A | | Common Equity Tier 1 Capital | | | 386,535 | | 9.08 | | | 191,577 | | 4.50 | | | 298,008 | | 7.00 | | | N/A | | N/A | | Tier 1 Leverage Ratio | | | 453,049 | | 9.44 | | | 191,878 | | 4.00 | | | 191,878 | | 4.00 | | | N/A | | N/A | | Bank: | | | | | | | | | | | | | | | | | | | | | | Total Risk-based Capital | | $ | 573,158 | | 13.49 | % | $ | 340,003 | | 8.00 | % | $ | 446,254 | | 10.50 | % | $ | 425,004 | | 10.00 | % | Tier 1 Risk-based Capital | | | 520,000 | | 12.24 | | | 255,002 | | 6.00 | | | 361,253 | | 8.50 | | | 340,003 | | 8.00 | | Common Equity Tier 1 Capital | | | 520,000 | | 12.24 | | | 191,252 | | 4.50 | | | 297,503 | | 7.00 | | | 276,253 | | 6.50 | | Tier 1 Leverage Ratio | | | 520,000 | | 10.86 | | | 191,593 | | 4.00 | | | 191,593 | | 4.00 | | | 239,491 | | 5.00 | |
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