| Summary of Regulatory Capital Levels |
The following tables present information regarding the Bank’s regulatory capital levels at June 30, 2025 and 2024: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | At June 30, 2025 | | Actual | | For Capital
Adequacy Purposes | | To Be Well Capitalized
Under Prompt
Corrective Action
Provisions | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | (Dollars in Thousands) | | Total capital (to risk-weighted assets) | $ | 704,969 | | | 14.49 | % | | $ | 389,184 | | | 8.00 | % | | $ | 486,481 | | | 10.00 | % | | Tier 1 capital (to risk-weighted assets) | 662,232 | | | 13.61 | % | | 291,888 | | | 6.00 | % | | 389,184 | | | 8.00 | % | | Common equity tier 1 capital (to risk-weighted assets) | 662,232 | | | 13.61 | % | | 218,916 | | | 4.50 | % | | 316,212 | | | 6.50 | % | | Tier 1 capital (to adjusted total assets) | 662,232 | | | 8.68 | % | | 305,162 | | | 4.00 | % | | 381,453 | | | 5.00 | % |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | At June 30, 2024 | | Actual | | For Capital
Adequacy Purposes | | To Be Well Capitalized
Under Prompt
Corrective Action
Provisions | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | (Dollars in Thousands) | | Total capital (to risk-weighted assets) | $ | 688,597 | | | 14.42 | % | | $ | 382,034 | | | 8.00 | % | | $ | 477,542 | | | 10.00 | % | | Tier 1 capital (to risk-weighted assets) | 651,620 | | | 13.65 | % | | 286,525 | | | 6.00 | % | | 382,034 | | | 8.00 | % | | Common equity tier 1 capital (to risk-weighted assets) | 651,620 | | | 13.65 | % | | 214,894 | | | 4.50 | % | | 310,402 | | | 6.50 | % | | Tier 1 capital (to adjusted total assets) | 651,620 | | | 8.44 | % | | 308,656 | | | 4.00 | % | | 385,820 | | | 5.00 | % |
The following tables present information regarding the consolidated Company’s regulatory capital levels at June 30, 2025 and 2024: | | | | | | | | | | | | | | | | | | | | | | | | | At June 30, 2025 | | Actual | | For Capital
Adequacy Purposes | | Amount | | Ratio | | Amount | | Ratio | | (Dollars in Thousands) | | Total capital (to risk-weighted assets) | $ | 748,323 | | | 15.37 | % | | $ | 389,434 | | | 8.00 | % | | Tier 1 capital (to risk-weighted assets) | 705,586 | | | 14.49 | % | | 292,076 | | | 6.00 | % | | Common equity tier 1 capital (to risk-weighted assets) | 705,586 | | | 14.49 | % | | 219,057 | | | 4.50 | % | | Tier 1 capital (to adjusted total assets) | 705,586 | | | 9.23 | % | | 305,661 | | | 4.00 | % |
| | | | | | | | | | | | | | | | | | | | | | | | | At June 30, 2024 | | Actual | | For Capital
Adequacy Purposes | | Amount | | Ratio | | Amount | | Ratio | | (Dollars in Thousands) | | Total capital (to risk-weighted assets) | $ | 743,741 | | | 15.57 | % | | $ | 382,247 | | | 8.00 | % | | Tier 1 capital (to risk-weighted assets) | 706,764 | | | 14.79 | % | | 286,685 | | | 6.00 | % | | Common equity tier 1 capital (to risk-weighted assets) | 706,764 | | | 14.79 | % | | 215,014 | | | 4.50 | % | | Tier 1 capital (to adjusted total assets) | 706,764 | | | 9.15 | % | | 309,031 | | | 4.00 | % |
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