| Schedule of Actual and Required Capital Amounts |
Actual and required capital amounts for the Parent Company are as follows as of December 31,: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | 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 and required capital amounts for the Bank are as follows as of December 31,: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | 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 | % |
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