| Schedule of Actual and Required Capital Amounts and Ratios, Exclusive of Capital Conservation Buffer |
The following table presents the regulatory capital amounts and ratios for the Company and the Bank as of dates indicated: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | June 30, 2025 | | | Actual (1) | | Required for
Capital Adequacy
Purposes | | Minimum
To be Considered
"Well Capitalized" | | ($ in thousands) | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | Total capital (to risk-weighted assets) | | | | | | | | | | | | | | Consolidated | | $ | 252,936 | | | 12.26 | % | | N/A | | N/A | | N/A | | N/A | | Bank | | 250,705 | | | 12.15 | | | $ | 165,139 | | | 8.00 | % | | $ | 206,424 | | | 10.00 | % | | Tier 1 capital (to risk-weighted assets) | | | | | | | | | | | | | | Consolidated | | 227,148 | | | 11.01 | | | N/A | | N/A | | N/A | | N/A | | Bank | | 224,902 | | | 10.90 | | | 123,855 | | | 6.00 | | | 165,139 | | | 8.00 | | Common equity Tier 1 capital (to risk-weighted assets) | | | | | | | | | | | | | | Consolidated | | 227,148 | | | 11.01 | | | N/A | | N/A | | N/A | | N/A | | Bank | | 224,902 | | | 10.90 | | | 92,891 | | | 4.50 | | | 134,176 | | | 6.50 | | | Tier 1 capital (to average assets) | | | | | | | | | | | | | | Consolidated | | 227,148 | | | 8.96 | | | N/A | | N/A | | N/A | | N/A | | Bank | | 224,902 | | | 8.87 | | | 101,435 | | | 4.00 | | | 126,793 | | | 5.00 | | |
(1)The capital requirements are only applicable to the Bank, and the Company's ratios are included for comparison purpose. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | December 31, 2024 | | | Actual (1) | | Required for
Capital Adequacy
Purposes | | Minimum
To be Considered
"Well Capitalized" | | ($ in thousands) | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | Total capital (to risk-weighted assets) | | | | | | | | | | | | | | Consolidated | | $ | 244,659 | | | 12.60 | % | | N/A | | N/A | | N/A | | N/A | | Bank | | 242,966 | | | 12.50 | | | $ | 155,463 | | | 8.00 | % | | $ | 194,328 | | | 10.00 | % | | Tier 1 capital (to risk-weighted assets) | | | | | | | | | | | | | | Consolidated | | 220,390 | | | 11.35 | | | N/A | | N/A | | N/A | | N/A | | Bank | | 218,675 | | | 11.25 | | | 116,597 | | | 6.00 | | | 155,463 | | | 8.00 | | Common equity Tier 1 capital (to risk-weighted assets) | | | | | | | | | | | | | | Consolidated | | 220,390 | | | 11.35 | | | N/A | | N/A | | N/A | | N/A | | Bank | | 218,675 | | | 11.25 | | | 87,448 | | | 4.50 | | | 126,313 | | | 6.50 | | | Tier 1 capital (to average assets) | | | | | | | | | | | | | | Consolidated | | 220,390 | | | 9.27 | | | N/A | | N/A | | N/A | | N/A | | Bank | | 218,675 | | | 9.20 | | | 95,055 | | | 4.00 | | | 118,819 | | | 5.00 | | |
(1)The capital requirements are only applicable to the Bank, and the Company's ratios are included for comparison purpose.
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