​

​

​

​

​

​

​

Regulatory Capital Requirements

​

​

​

​

​

​

​

Minimum Capital

​

For Classification as

​

​

Actual

​

Adequacy(1)

​

Well-Capitalized

​

Amount

Ratio

Amount

Ratio

Amount

Ratio

​

​

(Dollars in Thousands)

As of June 30, 2025:

​

​

​

​

​

​

​

​

Total capital (to risk-weighted assets)

​

$

314,375

​

14.98

%  

$

≥

167,820

≥

8.00

%  

$

≥

209,775

≥

10.00

%

Tier 1 capital (to risk-weighted assets)

​

308,675

​

14.71

​

≥

125,865

≥

6.00

​

≥

167,820

≥

8.00

​

Common equity tier 1 capital (to risk-weighted assets)

​

308,675

​

14.71

​

≥

94,399

≥

4.50

​

≥

136,354

≥

6.50

​

Core (Tier 1) capital (to adjusted total assets)

​

308,675

​

15.87

​

≥

77,816

≥

4.00

​

≥

97,271

≥

5.00

​

As of December 31, 2024:

​

​

​

​

​

​

​

​

Total capital (to risk-weighted assets)

​

$

290,903

13.92

%  

$

≥

167,154

≥

8.00

%  

$

≥

208,942

≥

10.00

%

Tier 1 capital (to risk-weighted assets)

​

285,272

13.65

​

≥

125,365

≥

6.00

​

≥

167,154

≥

8.00

​

Common equity tier 1 capital (to risk-weighted assets)

​

285,272

13.65

​

≥

94,024

≥

4.50

​

≥

135,813

≥

6.50

​

Core (Tier 1) capital (to adjusted total assets)

​

285,272

14.44

​

≥

79,030

≥

4.00

​

≥

98,788

≥

5.00

​