| Schedule of Actual Capital Amounts and Ratios |
The Association’s actual capital amounts and ratios as of December 31, 2025 and March 31, 2025, are also presented in the table below:
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Actual |
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Minimum Required for Capital Adequacy Purposes |
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Minimum Required To be Well-Capitalized Under Prompt Corrective Action Provisions |
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As of December 31, 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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(Dollars in thousands) |
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Total Capital (to Risk- Weighted Assets) |
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$ |
77,219 |
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17.54 |
% |
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$ |
35,211 |
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8.00 |
% |
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$ |
44,014 |
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10.00 |
% |
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Tier 1 Capital (to Risk- Weighted Assets) |
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$ |
71,714 |
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16.29 |
% |
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$ |
26,408 |
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6.00 |
% |
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$ |
35,211 |
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8.00 |
% |
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Common Equity Tier 1 Capital to Risk-Weighted Assets |
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$ |
71,714 |
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16.29 |
% |
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$ |
19,806 |
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4.50 |
% |
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$ |
28,609 |
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6.50 |
% |
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Tier 1 Capital (to Average Assets) |
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$ |
71,714 |
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13.96 |
% |
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$ |
20,545 |
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4.00 |
% |
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$ |
25,681 |
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5.00 |
% |
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As of March 31, 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 Capital (to Risk- Weighted Assets) |
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$ |
72,977 |
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17.83 |
% |
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$ |
32,734 |
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8.00 |
% |
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$ |
40,918 |
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10.00 |
% |
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Tier 1 Capital (to Risk- Weighted Assets) |
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$ |
67,856 |
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16.58 |
% |
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$ |
24,551 |
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6.00 |
% |
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$ |
32,734 |
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8.00 |
% |
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Common Equity Tier 1 Capital to Risk-Weighted Assets |
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$ |
67,856 |
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16.58 |
% |
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$ |
18,413 |
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4.50 |
% |
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$ |
26,597 |
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6.50 |
% |
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Tier 1 Capital (to Average Assets) |
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$ |
67,856 |
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13.78 |
% |
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$ |
19,701 |
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4.00 |
% |
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$ |
24,626 |
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5.00 |
% |
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