As of June 30, 2025 and December 31, 2024, the Company exceeded all capital adequacy requirements to which it is subject. Actual capital amounts and ratios for the Company and its subsidiary Bank, as of June 30, 2025 and December 31, 2024 are presented in the following tables:


	Actual				Minimum Required for Capital Adequacy Purposes				For Capital Adequacy Purposes Plus Capital Conservation Buffer(1)				Minimum to Be Well Capitalized Under Prompt Corrective Action Requirements(2)
June 30, 2025	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
Total risk-based capital:
Consolidated	$	3,109.7	16.49	%	$	1,508.4	8.00	%	$	1,979.8	10.50	%	$	1,885.5	10.00	%
FIB	2,725.4		14.49		1,504.4		8.00		1,974.5		10.50		1,880.5		10.00

Tier 1 risk-based capital:
Consolidated	2,532.0		13.43		1,131.3		6.00		1,602.7		8.50		1,508.4		8.00
FIB	2,510.3		13.35		1,128.3		6.00		1,598.4		8.50		1,504.4		8.00

Common equity tier 1 risk-based capital:
Consolidated	2,532.0		13.43		848.5		4.50		1,319.8		7.00		1,225.6		6.50
FIB	2,510.3		13.35		846.2		4.50		1,316.3		7.00		1,222.3		6.50

Leverage capital ratio:
Consolidated	2,532.0		9.37		1,080.9		4.00		1,080.9		4.00		1,351.1		5.00
FIB	2,510.3		9.31		1,079.0		4.00		1,079.0		4.00		1,348.7		5.00


	Actual				Minimum Required for Capital Adequacy Purposes				For Capital Adequacy Purposes Plus Capital Conservation Buffer(1)				Minimum to Be Well Capitalized Under Prompt Corrective Action Requirements(2)
December 31, 2024	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
Total risk-based capital:
Consolidated	$	2,962.8	14.38	%	$	1,647.8	8.00	%	$	2,162.8	10.50	%	$	2,059.8	10.00	%
FIB	2,691.5		13.10		1,644.1		8.00		2,157.9		10.50		2,055.2		10.00
Tier 1 risk-based capital:
Consolidated	2,504.0		12.16		1,235.9		6.00		1,750.8		8.50		1,647.8		8.00
FIB	2,490.3		12.12		1,233.1		6.00		1,746.9		8.50		1,644.1		8.00
Common equity tier 1 risk-based capital:
Consolidated	2,504.0		12.16		926.9		4.50		1,441.8		7.00		1,338.8		6.50
FIB	2,490.3		12.12		924.8		4.50		1,438.6		7.00		1,335.8		6.50
Leverage capital ratio:
Consolidated	2,504.0		8.71		1,149.4		4.00		1,149.4		4.00		1,436.8		5.00
FIB	2,490.3		8.68		1,147.5		4.00		1,147.5		4.00		1,434.4		5.00

(1) The capital conservation buffer is an additional 2.5% of the amount necessary to meet the minimum risk-based capital requirements for total, tier 1, and common equity tier 1 risk-based capital.

(2) The ratios to meet the requirements to be deemed “well-capitalized” are only applicable to FIB. However, the Company manages its capital position as if the requirements apply to the consolidated company and has presented the ratios as if they also applied on a consolidated basis.