| Capital Ratios and Regulatory Minimum Requirements |
The Company and the Bank’s actual capital amounts and ratios are presented as follows:
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Capital levels |
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Actual |
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Adequately capitalized |
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Well capitalized |
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June 30, 2025 |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Total risk-based capital (to risk-weighted assets): |
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The Company |
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$ |
219,732 |
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15.78 |
% |
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$ |
111,397 |
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8.00 |
% |
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$ |
139,246 |
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10.00 |
% |
Bank |
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195,976 |
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14.09 |
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111,294 |
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8.00 |
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139,118 |
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10.00 |
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Tier 1 capital (to risk-weighted assets): |
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The Company |
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$ |
170,478 |
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12.24 |
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83,548 |
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6.00 |
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83,548 |
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6.00 |
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Bank |
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186,722 |
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13.42 |
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83,471 |
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6.00 |
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111,294 |
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8.00 |
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Common equity tier 1 capital (to risk-weighted
assets): |
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The Company |
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170,478 |
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12.24 |
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62,661 |
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4.50 |
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N/A |
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N/A |
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Bank |
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186,722 |
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13.42 |
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62,603 |
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4.50 |
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90,427 |
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6.50 |
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Tier 1 capital (to average assets): |
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The Company |
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170,478 |
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8.76 |
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77,882 |
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4.00 |
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N/A |
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N/A |
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Bank |
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186,722 |
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9.70 |
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76,984 |
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4.00 |
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96,230 |
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5.00 |
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Capital levels |
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Actual |
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Adequately capitalized |
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Well capitalized |
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As of December 31, 2024 |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Total risk-based capital (to risk-weighted assets): |
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The Company |
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$ |
214,826 |
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15.56 |
% |
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|
110,480 |
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8.00 |
% |
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|
138,100 |
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10.00 |
% |
Bank |
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|
192,057 |
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13.92 |
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110,396 |
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8.00 |
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137,995 |
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10.00 |
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Tier 1 capital (to risk-weighted assets): |
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The Company |
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165,995 |
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12.02 |
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82,860 |
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6.00 |
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82,860 |
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6.00 |
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Bank |
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183,226 |
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13.28 |
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82,797 |
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6.00 |
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110,396 |
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8.00 |
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Common equity tier 1 capital (to risk-weighted
assets): |
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The Company |
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165,995 |
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12.02 |
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62,145 |
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4.50 |
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N/A |
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N/A |
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Bank |
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183,226 |
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13.28 |
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62,098 |
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4.50 |
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89,696 |
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6.50 |
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Tier 1 capital (to average assets): |
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The Company |
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165,995 |
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8.70 |
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76,357 |
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4.00 |
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N/A |
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N/A |
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Bank |
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183,226 |
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9.71 |
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75,483 |
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4.00 |
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94,353 |
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5.00 |
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