| Schedule of actual capital amounts and ratios as well as minimum amounts for each regulatory defined category for the bank and the company |
The Bank exceeded
the minimum regulatory capital ratios at December 31, 2025 and 2024, as set forth in the following table:
Schedule of actual
capital amounts and ratios as well as minimum amounts for each regulatory defined category for the bank and the company
| (In thousands) | |
Minimum
Required
Amount | | |
% | | |
Actual
Amount | | |
% | | |
Excess
Amount | | |
% | |
| The Bank(1)(2): | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| December 31, 2025 | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| Risk Based Capital | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| Tier 1 | |
$ | 82,058 | | |
| 6.0 | % | |
$ | 179,295 | | |
| 13.1 | % | |
$ | 97,237 | | |
| 7.1 | % |
| Total Capital | |
$ | 109,411 | | |
| 8.0 | % | |
$ | 193,650 | | |
| 14.2 | % | |
$ | 84,239 | | |
| 6.2 | % |
| CET1 | |
$ | 61,544 | | |
| 4.5 | % | |
$ | 179,295 | | |
| 13.1 | % | |
$ | 117,751 | | |
| 8.6 | % |
| Tier 1 Leverage | |
$ | 82,782 | | |
| 4.0 | % | |
$ | 179,295 | | |
| 8.7 | % | |
$ | 96,513 | | |
| 4.7 | % |
| December 31, 2024 | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| Risk Based Capital | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| Tier 1 | |
$ | 76,653 | | |
| 6.0 | % | |
$ | 164,397 | | |
| 12.9 | % | |
$ | 87,744 | | |
| 6.9 | % |
| Total Capital | |
$ | 102,204 | | |
| 8.0 | % | |
$ | 178,034 | | |
| 13.9 | % | |
$ | 75,830 | | |
| 5.9 | % |
| CET1 | |
$ | 57,490 | | |
| 4.5 | % | |
$ | 164,397 | | |
| 12.9 | % | |
$ | 106,907 | | |
| 8.4 | % |
| Tier 1 Leverage | |
$ | 78,274 | | |
| 4.0 | % | |
$ | 164,397 | | |
| 8.4 | % | |
$ | 86,123 | | |
| 4.4 | % |
| (1) |
As a small bank holding company, the Company
is generally not subject to the capital requirements unless otherwise advised by the Federal Reserve. |
| (2) |
Ratios do not include the capital conservation
buffer of 2.5%. |
|