| Schedule of Actual and Minimum Capital Amounts and Ratios |
The actual and minimum capital amounts and ratios for the Bank are presented in the following table: | | | | | | | | | | | | | | Actual | For capital
adequacy
purposes | | To be well-capitalized
under prompt corrective
action provisions | As of December 31, 2025 | | | | | | Tier 2 capital to | $ | 308,231,000 | | $ | 176,702,000 | | | $ | 220,877,000 | | | risk-weighted assets | 13.95 | % | 8.00 | % | | 10.00 | % | | Tier 1 capital to | $ | 282,155,000 | | $ | 132,526,000 | | | $ | 176,702,000 | | | risk-weighted assets | 12.77 | % | 6.00 | % | | 8.00 | % | | Common equity Tier 1 capital to | $ | 282,155,000 | | $ | 99,395,000 | | | $ | 143,570,000 | | | risk-weighted assets | 12.77 | % | 4.50 | % | | 6.50 | % | | Tier 1 capital to | $ | 282,155,000 | | $ | 128,021,000 | | | $ | 160,027,000 | | | average assets | 8.82 | % | 4.00 | % | | 5.00 | % | As of December 31, 2024 | | | | | | Tier 2 capital to | $ | 288,343,000 | | $ | 175,320,000 | | | $ | 219,150,000 | | | risk-weighted assets | 13.16 | % | 8.00 | % | | 10.00 | % | | Tier 1 capital to | $ | 262,562,000 | | $ | 131,490,000 | | | $ | 175,320,000 | | | risk-weighted assets | 11.98 | % | 6.00 | % | | 8.00 | % | | Common equity Tier 1 capital to | $ | 262,562,000 | | $ | 98,617,000 | | | $ | 142,447,000 | | | risk-weighted assets | 12.37 | % | 4.50 | % | | 6.50 | % | | Tier 1 capital to | $ | 262,562,000 | | $ | 126,185,000 | | | $ | 157,731,000 | | | average assets | 8.32 | % | 4.00 | % | | 5.00 | % |
The actual and minimum capital amounts and ratios for the Company, on a consolidated basis, are presented in the following table: | | | | | | | | | | | | | Actual | For capital
adequacy
purposes | To be well-capitalized
under prompt corrective
action provisions | As of December 31, 2025 | | | | | Tier 2 capital to | $ | 309,581,000 | | $ | 176,702,000 | | n/a | | risk-weighted assets | 14.02 | % | 8.00 | % | n/a | | Tier 1 capital to | $ | 283,505,000 | | $ | 132,526,000 | | n/a | | risk-weighted assets | 12.84 | % | 6.00 | % | n/a | | Common equity Tier 1 capital to | $ | 283,505,000 | | $ | 99,395,000 | | n/a | | risk-weighted assets | 12.84 | % | 4.50 | % | n/a | | Tier 1 capital to | $ | 283,505,000 | | $ | 128,272,000 | | n/a | | average assets | 8.84 | % | 4.00 | % | n/a | As of December 31, 2024 | | | | | Tier 2 capital to | $ | 289,745,000 | | $ | 175,320,000 | | n/a | | risk-weighted assets | 13.22 | % | 8.00 | % | n/a | | Tier 1 capital to | $ | 263,964,000 | | $ | 131,490,000 | | n/a | | risk-weighted assets | 12.04 | % | 6.00 | % | n/a | | Common equity Tier 1 capital to | $ | 263,964,000 | | $ | 98,617,000 | | n/a | | risk-weighted assets | 12.42 | % | 4.50 | % | n/a | | Tier 1 capital to | $ | 263,964,000 | | $ | 124,641,000 | | n/a | | average assets | 8.47 | % | 4.00 | % | n/a |
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