| Comparison of the Company's and Bank's Actual Capital Amounts and Ratios to Required Capital Amounts and Ratios |
A comparison of the Company’s and Bank’s actual capital amounts and ratios to required capital amounts and ratios are presented in the following tables as of:
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Actual |
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Minimum Required
For Capital
Adequacy Purposes |
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Minimum Required
Under Basel III
(Including Buffer) |
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To Be Well
Capitalized Under
Prompt Corrective
Action Provisions |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
June 30, 2025 |
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Total capital to risk-weighted assets: |
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Consolidated |
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$ |
391,500 |
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17.39% |
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$ |
180,101 |
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8.00% |
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$ |
236,382 |
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10.50% |
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$ |
225,126 |
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10.00% |
Bank |
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381,188 |
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16.96% |
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|
179,843 |
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8.00% |
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|
236,044 |
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10.50% |
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|
224,804 |
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10.00% |
Tier 1 capital to risk-weighted assets: |
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Consolidated |
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329,146 |
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14.62% |
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135,076 |
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6.00% |
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191,357 |
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8.50% |
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|
135,076 |
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6.00% |
Bank |
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|
353,602 |
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15.73% |
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|
134,882 |
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6.00% |
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|
191,083 |
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8.50% |
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|
179,843 |
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8.00% |
Tier 1 capital to average assets:(1) |
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Consolidated |
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329,146 |
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10.56% |
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124,714 |
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4.00% |
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124,714 |
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4.00% |
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n/a |
Bank |
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353,602 |
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11.35% |
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|
124,578 |
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4.00% |
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124,578 |
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4.00% |
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|
155,723 |
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5.00% |
Common equity tier 1 capital to risk-weighted assets: |
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Consolidated |
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321,929 |
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14.30% |
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101,307 |
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4.50% |
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157,588 |
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7.00% |
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n/a |
Bank |
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353,602 |
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15.73% |
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|
101,162 |
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4.50% |
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|
157,363 |
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7.00% |
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|
146,123 |
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6.50% |
(1) The Tier 1 capital ratio (to average assets) is not impacted by the Basel III Capital Rules; however, the Federal Reserve and the FDIC may require the Consolidated Company and the Bank, respectively, to maintain a Tier 1 capital ratio (to average assets) above the required minimum. |
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Actual |
|
Minimum Required
For Capital
Adequacy Purposes |
|
Minimum Required
Under Basel III
(Including Buffer) |
|
To Be Well
Capitalized Under
Prompt Corrective
Action Provisions |
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Amount |
|
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Ratio |
|
Amount |
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Ratio |
|
Amount |
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Ratio |
|
Amount |
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|
Ratio |
December 31, 2024 |
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Total capital to risk-weighted assets: |
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Consolidated |
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$ |
382,893 |
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17.09% |
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$ |
179,268 |
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8.00% |
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$ |
235,290 |
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10.50% |
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$ |
224,085 |
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10.00% |
Bank |
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|
381,280 |
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17.04% |
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|
179,054 |
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8.00% |
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|
235,008 |
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10.50% |
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|
223,818 |
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10.00% |
Tier 1 capital to risk-weighted assets: |
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Consolidated |
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320,185 |
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14.29% |
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|
134,451 |
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6.00% |
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|
190,473 |
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8.50% |
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|
134,451 |
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6.00% |
Bank |
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|
353,299 |
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15.79% |
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|
134,291 |
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6.00% |
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|
190,245 |
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8.50% |
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|
179,054 |
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8.00% |
Tier 1 capital to average assets:(1) |
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Consolidated |
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320,185 |
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10.27% |
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124,714 |
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4.00% |
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124,714 |
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4.00% |
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n/a |
Bank |
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353,299 |
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11.37% |
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|
124,321 |
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4.00% |
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124,321 |
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4.00% |
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|
155,401 |
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5.00% |
Common equity tier 1 capital to risk-weighted assets: |
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Consolidated |
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312,968 |
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13.97% |
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|
100,838 |
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4.50% |
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|
156,860 |
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7.00% |
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n/a |
Bank |
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353,299 |
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15.79% |
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|
100,718 |
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4.50% |
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|
156,672 |
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7.00% |
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|
145,481 |
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6.50% |
(1) The Tier 1 capital ratio (to average assets) is not impacted by the Basel III Capital Rules; however, the Federal Reserve and the FDIC may require the Consolidated Company and the Bank, respectively, to maintain a Tier 1 capital ratio (to average assets) above the required minimum. |
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