| Schedule of actual capital amounts and ratios for the Bank and Pioneer Commercial Bank |
The actual capital amounts and ratios for the Bank are presented in the following table (dollars in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | To be Well | | | | | | | | | | | | | | For Capital | | Capitalized Under | | | | | | | | | For Capital | | Adequacy Purposes | | Prompt | | | | Actual | | Adequacy Purposes | | with Capital Buffer | | Corrective Action | | | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | Pioneer Bank, National Association: | | | | | | | | | | | | | | | | | | | | | | As of December 31, 2025 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Tier 1 (leverage) capital | | $ | 240,647 | | 11.53 | % | $ | 83,492 | | 4.00 | % | | N/A | | N/A | | $ | 104,365 | | 5.00 | % | Risk-based capital | | | | | | | | | | | | | | | | | | | | | | Common Tier 1 | | $ | 240,647 | | 16.30 | % | $ | 66,441 | | 4.50 | % | $ | 103,353 | | 7.00 | % | $ | 95,970 | | 6.50 | % | Tier 1 | | $ | 240,647 | | 16.30 | % | $ | 88,588 | | 6.00 | % | $ | 125,500 | | 8.50 | % | $ | 118,117 | | 8.00 | % | Total | | $ | 259,218 | | 17.56 | % | $ | 118,117 | | 8.00 | % | $ | 155,029 | | 10.50 | % | $ | 147,647 | | 10.00 | % | | | | | | | | | | | | | | | | | | | | | | | As of December 31, 2024 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Tier 1 (leverage) capital | | $ | 231,140 | | 12.07 | % | $ | 76,623 | | 4.00 | % | | N/A | | N/A | | $ | 95,779 | | 5.00 | % | Risk-based capital | | | | | | | | | | | | | | | | | | | | | | Common Tier 1 | | $ | 231,140 | | 17.99 | % | $ | 57,833 | | 4.50 | % | $ | 89,962 | | 7.00 | % | $ | 83,536 | | 6.50 | % | Tier 1 | | $ | 231,140 | | 17.99 | % | $ | 77,110 | | 6.00 | % | $ | 109,240 | | 8.50 | % | $ | 102,814 | | 8.00 | % | Total | | $ | 247,305 | | 19.24 | % | $ | 102,814 | | 8.00 | % | $ | 134,943 | | 10.50 | % | $ | 128,517 | | 10.00 | % |
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