| Schedule of actual and required capital amounts and ratios |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | To be Well Capitalized | | | | | | | | | For Capital Adequacy | | For Capital Adequacy | | under Prompt | | | | Actual | | Purposes | | Purposes with Capital Buffer | | Corrective Action Provisions | | | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | June 30, 2025 | | | | | | | | | | | | | | | | | | | | | | Total capital to risk weighted assets | | $ | 344,844 | | 17.61 | % | $ | 156,675 | | 8.00 | % | $ | 193,396 | | 9.875 | % | $ | 195,844 | | 10.00 | % | Tier 1 (Core) capital to risk weighted assets | | | 320,316 | | 16.36 | % | | 117,506 | | 6.00 | % | | 154,227 | | 7.875 | % | | 156,675 | | 8.00 | % | Common Tier 1 (CET1) to risk weighted assets | | | 320,316 | | 16.36 | % | | 88,130 | | 4.50 | % | | 124,850 | | 6.375 | % | | 127,298 | | 6.50 | % | Tier 1 (Core) Capital to average assets | | | 320,316 | | 12.40 | % | | 103,303 | | 4.00 | % | | N/A | | N/A | | | 129,129 | | 5.00 | % | December 31, 2024 | | | | | | | | | | | | | | | | | | | | | | Total capital to risk weighted assets | | $ | 286,595 | | 15.37 | % | $ | 149,147 | | 8.00 | % | $ | 184,103 | | 9.875 | % | $ | 186,434 | | 10.00 | % | Tier 1 (Core) capital to risk weighted assets | | | 263,260 | | 14.12 | % | | 111,860 | | 6.00 | % | | 146,816 | | 7.875 | % | | 149,147 | | 8.00 | % | Common Tier 1 (CET1) to risk weighted assets | | | 263,260 | | 14.12 | % | | 83,895 | | 4.50 | % | | 118,851 | | 6.375 | % | | 121,182 | | 6.50 | % | Tier 1 (Core) Capital to average assets | | | 263,260 | | 10.23 | % | | 102,986 | | 4.00 | % | | N/A | | N/A | | | 128,733 | | 5.00 | % |
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