| Capital Amounts and Ratios |
The following table sets forth the Bank’s actual and required capital amounts (in thousands) and ratios under current regulations: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Minimum Capital | | Minimum to Be Well | | | | | | | | Adequacy Requirement | | Capitalized Under | | | | | | Minimum Capital | | with Capital | | Prompt Corrective | | | | Actual Capital | | Adequacy Requirement | | Conservation Buffer | | Action Provisions | | | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | June 30, 2025 | | | | | | | | | | | | | | | | | | | | | | Total capital to risk-weighted assets | | $ | 222,619 | | 14.41 | % | $ | 123,618 | | 8.00 | % | $ | 162,249 | | 10.50 | % | $ | 154,523 | | 10.00 | % | Tier 1 capital to risk-weighted assets | | | 203,282 | | 13.16 | % | | 92,714 | | 6.00 | % | | 131,344 | | 8.50 | % | | 123,618 | | 8.00 | % | Common equity tier 1 capital to risk-weighted assets | | | 203,282 | | 13.16 | % | | 69,535 | | 4.50 | % | | 108,166 | | 7.00 | % | | 100,440 | | 6.50 | % | Tier 1 capital to average total assets | | | 203,282 | | 9.29 | % | | 87,509 | | 4.00 | % | | N/A | | N/A | | | 109,386 | | 5.00 | % | | | | | | | | | | | | | | | | | | | | | | | December 31, 2024 | | | | | | | | | | | | | | | | | | | | | | Total capital to risk-weighted assets | | $ | 220,696 | | 14.58 | % | $ | 121,127 | | 8.00 | % | $ | 158,979 | | 10.50 | % | $ | 151,408 | | 10.00 | % | Tier 1 capital to risk-weighted assets | | | 201,744 | | 13.32 | % | | 90,845 | | 6.00 | % | | 128,697 | | 8.50 | % | | 121,127 | | 8.00 | % | Common equity tier 1 capital to risk-weighted assets | | | 201,744 | | 13.32 | % | | 68,134 | | 4.50 | % | | 105,986 | | 7.00 | % | | 98,416 | | 6.50 | % | Tier 1 capital to average total assets | | | 201,744 | | 9.13 | % | | 88,382 | | 4.00 | % | | N/A | | N/A | | | 110,478 | | 5.00 | % |
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