| Schedule Of Capital Ratios For The Bank |
| | | | | | | | | | | | | | | | | | December 31, 2025 | | | | | | | | | | | | To Be Well | | | | | | | | | | | | Capitalized Under | | | | | | | Minimum Capital | | Prompt Corrective | | | Actual | | Requirement | | Action Provisions | | (dollars in thousands) | Amount | | Ratio | | Amount | | Ratio (1) | | Amount | | Ratio | Total capital | | | | | | | | | | | | | | | | (to risk-weighted assets) | $ | 100,197 | | 12.54% | | $ | 83,927 | | >10.50% | | $ | 79,930 | | > 10.00% | Tier 1 capital | | | | | | | | | | | | | | | | (to risk-weighted assets) | $ | 93,748 | | 11.73% | | $ | 67,941 | | >8.50% | | $ | 63,944 | | > 8.00% | Common Equity Tier 1 capital | | | | | | | | | | | | | | | | (to risk-weighted assets) | $ | 93,748 | | 11.73% | | $ | 55,951 | | >7.00% | | $ | 51,955 | | >6.50% | Tier 1 capital (leverage) | | | | | | | | | | | | | | | | (to average assets) | $ | 93,748 | | 9.05% | | $ | 40,441 | | > 4.00% | | $ | 51,791 | | > 5.00% |
(1)Includes capital conservation buffer of 2.50% where applicable.
Note 18 - Regulatory matters (continued) | | | | | | | | | | | | | | | | | | December 31, 2024 | | | | | | | | | | | | To Be Well | | | | | | | | | | | | Capitalized Under | | | | | | | Minimum Capital | | Prompt Corrective | | | Actual | | Requirement | | Action Provisions | | (dollars in thousands) | Amount | | Ratio | | Amount | | Ratio (1) | | Amount | | Ratio | Total capital | | | | | | | | | | | | | | | | (to risk-weighted assets) | $ | 98,403 | | 12.84% | | $ | 80,494 | | >10.50% | | $ | 76,661 | | > 10.00% | Tier 1 capital | | | | | | | | | | | | | | | | (to risk-weighted assets) | $ | 91,359 | | 11.92% | | $ | 65,162 | | >8.50% | | $ | 61,329 | | > 8.00% | Common Equity Tier 1 capital | | | | | | | | | | | | | | | | (to risk-weighted assets) | $ | 91,359 | | 11.92% | | $ | 53,663 | | >7.00% | | $ | 49,830 | | >6.50% | Tier 1 capital (leverage) | | | | | | | | | | | | | | | | (to average assets) | $ | 91,359 | | 9.04% | | $ | 40,424 | | > 4.00% | | $ | 50,530 | | > 5.00% |
(1)Includes capital conservation buffer of 2.50% where applicable.
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