Regulatory Capital Requirements |
The following table presents the Corporation’s and the Bank’s actual capital amounts and ratios, as well as the corresponding minimum and well capitalized regulatory amounts and ratios that were in effect during the respective periods: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | Actual | | For Capital Adequacy Purposes | | To Be “Well Capitalized” Under Prompt Corrective Action Provisions | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | June 30, 2025 | | | | | | | | | | | | Total Capital (to Risk-Weighted Assets): | | | | | | | | | | | | Corporation | $621,953 | | | 13.06 | % | | $380,994 | | | 8.00 | % | | N/A | | N/A | Bank | 616,722 | | | 12.96 | | | 380,784 | | | 8.00 | | | $475,979 | | | 10.00 | % | Tier 1 Capital (to Risk-Weighted Assets): | | | | | | | | | | | | Corporation | 579,704 | | | 12.17 | | | 285,745 | | | 6.00 | | | N/A | | N/A | Bank | 574,473 | | | 12.07 | | | 285,588 | | | 6.00 | | | 380,784 | | | 8.00 | | Common Equity Tier 1 Capital (to Risk-Weighted Assets): | | | | | | | | | | | | Corporation | 557,707 | | | 11.71 | | | 214,309 | | | 4.50 | | | N/A | | N/A | Bank | 574,473 | | | 12.07 | | | 214,191 | | | 4.50 | | | 309,387 | | | 6.50 | | Tier 1 Capital (to Average Assets): (1) | | | | | | | | | | | | Corporation | 579,704 | | | 8.66 | | | 267,864 | | | 4.00 | | | N/A | | N/A | Bank | 574,473 | | | 8.58 | | | 267,737 | | | 4.00 | | | 334,671 | | | 5.00 | | | | | | | | | | | | | | December 31, 2024 | | | | | | | | | | | | Total Capital (to Risk-Weighted Assets): | | | | | | | | | | | | Corporation | 617,762 | | | 12.47 | | | 396,309 | | | 8.00 | | | N/A | | N/A | Bank | 612,603 | | | 12.37 | | | 396,150 | | | 8.00 | | | 495,187 | | | 10.00 | | Tier 1 Capital (to Risk-Weighted Assets): | | | | | | | | | | | | Corporation | 576,731 | | | 11.64 | | | 297,232 | | | 6.00 | | | N/A | | N/A | Bank | 571,572 | | | 11.54 | | | 297,112 | | | 6.00 | | | 396,150 | | | 8.00 | | Common Equity Tier 1 Capital (to Risk-Weighted Assets): | | | | | | | | | | | | Corporation | 554,734 | | | 11.20 | | | 222,924 | | | 4.50 | | | N/A | | N/A | Bank | 571,572 | | | 11.54 | | | 222,834 | | | 4.50 | | | 321,872 | | | 6.50 | | Tier 1 Capital (to Average Assets): (1) | | | | | | | | | | | | Corporation | 576,731 | | | 8.13 | | | 283,730 | | | 4.00 | | | N/A | | N/A | Bank | 571,572 | | | 8.06 | | | 283,628 | | | 4.00 | | | 354,536 | | | 5.00 | |
(1) Leverage ratio.
|