| Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations |
| | | | | | | | | | | | | | | | | | | | | Actual | | Required for Capital
Adequacy Purposes | | To be Well Capitalized
Under Prompt
Corrective Action
Regulations * | | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | | | (Dollars in thousands) | As of June 30, 2025 | | | | | | | | | | | | | | | | | | | Total risk-based capital (to risk-weighted assets) | | | | | | | | | | | | | | | | | | | Company Consolidated | $ | 358,827 | | | 15.65 | % | | $ | 183,480 | | 8.00 | % | | $ | 229,350 | | 10.00 | % | Bank | | 345,184 | | | 15.10 | | | | 182,824 | | 8.00 | | | | 228,531 | | 10.00 | | Common equity tier 1 (to risk-weighted assets) | | | | | | | | | | | | | | | | | | | Company Consolidated | | 320,145 | | | 13.96 | | | | 103,208 | | 4.50 | | | | 149,078 | | 6.50 | | Bank | | 316,603 | | | 13.85 | | | | 102,839 | | 4.50 | | | | 148,545 | | 6.50 | | Tier 1 capital (to risk-weighted assets) | | | | | | | | | | | | | | | | | | | Company Consolidated | | 330,145 | | | 14.39 | | | | 137,610 | | 6.00 | | | | 183,480 | | 8.00 | | Bank | | 316,603 | | | 13.85 | | | | 137,118 | | 6.00 | | | | 182,824 | | 8.00 | | Tier 1 capital (to average total assets) | | | | | | | | | | | | | | | | | | | Company Consolidated | | 330,145 | | | 12.50 | | | | 105,604 | | 4.00 | | | | 132,006 | | 5.00 | | Bank | | 316,603 | | | 12.04 | | | | 105,212 | | 4.00 | | | | 131,515 | | 5.00 | | | | | | | | | | | | | | | | | | | | | As of December 31, 2024 | | | | | | | | | | | | | | | | | | | Total risk-based capital (to risk-weighted assets) | | | | | | | | | | | | | | | | | | | Company Consolidated | $ | 332,700 | | | 15.62 | % | | $ | 170,364 | | 8.00 | % | | $ | 212,955 | | 10.00 | % | Bank | | 324,763 | | | 15.37 | | | | 169,013 | | 8.00 | | | | 211,266 | | 10.00 | | Common equity tier 1 (to risk-weighted assets) | | | | | | | | | | | | | | | | | | | Company Consolidated | | 296,071 | | | 13.90 | | | | 95,830 | | 4.50 | | | | 138,421 | | 6.50 | | Bank | | 298,342 | | | 14.12 | | | | 95,070 | | 4.50 | | | | 137,323 | | 6.50 | | Tier 1 capital (to risk-weighted assets) | | | | | | | | | | | | | | | | | | | Company Consolidated | | 306,071 | | | 14.37 | | | | 127,773 | | 6.00 | | | | 170,364 | | 8.00 | | Bank | | 298,342 | | | 14.12 | | | | 126,760 | | 6.00 | | | | 169,013 | | 8.00 | | Tier 1 capital (to average total assets) | | | | | | | | | | | | | | | | | | | Company Consolidated | | 306,071 | | | 12.22 | | | | 100,150 | | 4.00 | | | | 125,187 | | 5.00 | | Bank | | 298,342 | | | 11.95 | | | | 99,844 | | 4.00 | | | | 124,806 | | 5.00 | |
*Prompt Corrective Action requirements only apply to the Bank.
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