Banks and bank holding companies are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and, additionally for banks, prompt corrective action regulations involve quantitative measures of assets, liabilities, and certain off-balance sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators. Failure to meet capital requirements can initiate regulatory action.

The net unrealized gain or loss on available for sale securities is not included in computing regulatory capital. As of December 31, 2025, both the Parent Company and the Bank met all capital adequacy requirements to which they were subject.

Prompt corrective action regulations provide five classifications: well-capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition. If adequately capitalized, regulatory approval is required to accept brokered deposits. If undercapitalized, capital distributions are limited, as is asset growth and expansion, and capital restoration plans are required. As of December 31, 2025 and 2024, the most recent regulatory notifications categorized the Bank as well-capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since that notification that management believes have changed the Bank’s category.


	Actual				For Capital Adequacy Purposes				To be Well- Capitalized under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio		Amount	Ratio
2025
Total risk-based capital to risk-weighted assets:	$	1,187,736	15.73	%	$	604,008	8.00	%	N/A	N/A
Tier 1 risk-based capital to risk-weighted assets:	$	1,065,783	14.12	%	$	453,006	6.00	%	N/A	N/A
Common Equity Tier 1 (CET 1) to risk-weighted assets:	$	1,065,783	14.12	%	$	339,755	4.50	%	N/A	N/A
Tier 1 leverage capital to average assets:	$	1,065,783	12.75	%	$	334,328	4.00	%	N/A	N/A
2024
Total risk-based capital to risk-weighted assets:	$	1,128,334	15.42	%	$	585,567	8.00	%	N/A	N/A
Tier 1 risk-based capital to risk-weighted assets:	$	964,517	13.18	%	$	439,175	6.00	%	N/A	N/A
Common Equity Tier 1 (CET 1) to risk-weighted assets:	$	964,517	13.18	%	$	329,381	4.50	%	N/A	N/A
Tier 1 leverage capital to average assets:	$	964,517	12.11	%	$	318,646	4.00	%	N/A	N/A


	Actual				For Capital Adequacy Purposes				To be Well- Capitalized under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
2025
Total risk-based capital to risk-weighted assets:	$	1,119,717	14.85	%	$	603,066	8.00	%	$	753,832	10.00	%
Tier 1 risk-based capital to risk-weighted assets:	$	1,034,444	13.72	%	$	452,299	6.00	%	$	603,066	8.00	%
Common Equity Tier 1 (CET 1) to risk-weighted assets:	$	1,034,444	13.72	%	$	339,225	4.50	%	$	489,991	6.50	%
Tier 1 leverage capital to average assets:	$	1,034,444	12.38	%	$	334,290	4.00	%	$	417,862	5.00	%
2024
Total risk-based capital to risk-weighted assets:	$	1,018,866	13.94	%	$	584,594	8.00	%	$	730,742	10.00	%
Tier 1 risk-based capital to risk-weighted assets:	$	930,890	12.74	%	$	438,445	6.00	%	$	584,594	8.00	%
Common Equity Tier 1 (CET 1) to risk-weighted assets:	$	930,890	12.74	%	$	328,834	4.50	%	$	474,982	6.50	%
Tier 1 leverage capital to average assets:	$	930,890	11.69	%	$	318,647	4.00	%	$	398,308	5.00	%