Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2025

Schedule of Actual Capital and Required Amounts and Ratios


	Actual				Required For Capital Adequacy Purposes Under Basel III
	Amount		Ratio		Amount		Ratio (1)

	(Dollars in thousands)
As of December 31, 2025
Total Capital	$	629,952	15.1	%	$	437,685	10.5	%
(to risk-weighted assets)
Tier 1 Capital	$	539,415	12.9	%	$	354,316	8.5	%
(to risk-weighted assets)
Common Equity Tier 1 Capital	$	539,415	12.9	%	$	291,790	7.0	%
(to risk-weighted assets)
Tier 1 Capital	$	539,415	9.6	%	$	223,613	4.0	%
(to average assets)

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(1)Includes 2.5% capital conservation buffer, except the Tier 1 Capital to average assets ratio.

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	Actual				Required For Capital Adequacy Purposes Under Basel III
	Amount		Ratio		Amount		Ratio (1)

	(Dollars in thousands)
As of December 31, 2024
Total Capital	$	610,643	15.6	%	$	411,383	10.5	%
(to risk-weighted assets)
Tier 1 Capital	$	524,204	13.4	%	$	333,024	8.5	%
(to risk-weighted assets)
Common Equity Tier 1 Capital	$	524,204	13.4	%	$	274,255	7.0	%
(to risk-weighted assets)
Tier 1 Capital	$	524,204	9.6	%	$	217,451	4.0	%
(to average assets)

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(1)Includes 2.5% capital conservation buffer, except the Tier 1 Capital to average assets ratio.

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HBC

Capital Requirements

Schedule of Actual Capital and Required Amounts and Ratios

HBC’s actual capital amounts and ratios are presented in the following table, together with capital adequacy requirements, under the Basel III regulatory requirements as of December 31, 2025, and December 31, 2024.


	Actual				To Be Well-Capitalized Under Basel III PCA Regulatory Requirements				Required For Capital Adequacy Purposes Under Basel III
	Amount		Ratio		Amount		Ratio		Amount		Ratio (1)

	(Dollars in thousands)
As of December 31, 2025
Total Capital	$	615,222	14.8	%	$	416,492	10.0	%	$	437,316	10.5	%
(to risk-weighted assets)
Tier 1 Capital	$	564,489	13.6	%	$	333,193	8.0	%	$	354,018	8.5	%
(to risk-weighted assets)
Common Equity Tier 1 Capital	$	564,489	13.6	%	$	270,720	6.5	%	$	291,544	7.0	%
(to risk-weighted assets)
Tier 1 Capital	$	564,489	10.1	%	$	279,338	5.0	%	$	223,471	4.0	%
(to average assets)

_______________________________________________________

(1)Includes 2.5% capital conservation buffer, except the Tier 1 Capital to average assets ratio.

_______________________________________________________


	Actual				To Be Well-Capitalized Under Basel III PCA Regulatory Requirements				Required For Capital Adequacy Purposes Under Basel III
	Amount		Ratio		Amount		Ratio		Amount		Ratio (1)

	(Dollars in thousands)
As of December 31, 2024
Total Capital	$	590,658	15.1	%	$	391,459	10.0	%	$	411,038	10.5	%
(to risk-weighted assets)
Tier 1 Capital	$	543,872	13.9	%	$	313,167	8.0	%	$	332,745	8.5	%
(to risk-weighted assets)
Common Equity Tier 1 Capital	$	543,872	13.9	%	$	254,448	6.5	%	$	274,025	7.0	%
(to risk-weighted assets)
Tier 1 Capital	$	543,872	10.0	%	$	271,640	5.0	%	$	217,312	4.0	%
(to average assets)

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(1)Includes 2.5% capital conservation buffer, except the Tier 1 Capital to average assets.

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