June 30, 2025

(dollars in thousands)

Actual

Required for Capital Adequacy Purposes

Required to be Well-Capitalized Under Prompt Corrective Action Provisions

Amount

Ratio

Amount

Ratio

Amount

Ratio

Tier 1 Leverage Ratio

$

17,297

46.10%

$

1,501

4.00%

$

1,876

5.00%

Common Equity Tier 1

17,297

97.21%

801

4.50%

1,157

6.50%

Tier 1 Risk-Based Capital

17,297

97.21%

1,068

6.00%

1,424

8.00%

Total Risk-Based Capital

$

17,482

98.25%

$

1,424

8.00%

$

1,779

10.00%

December 31, 2024

(dollars in thousands)

Amount

Ratio

Amount

Ratio

Amount

Ratio

Tier 1 Leverage Ratio

$

13,916

37.80%

$

1,472

4.00%

$

1,841

5.00%

Common Equity Tier 1

13,916

73.80%

849

4.50%

1,226

6.50%

Tier 1 Risk-Based Capital

13,916

73.80%

1,131

6.00%

1,508

8.00%

Total Risk-Based Capital

$

14,101

74.78%

$

1,508

8.00%

$

1,886

10.00%