December 31, 2025

Actual

Minimum Capital
Requirement(1)

Minimum To Be Well
Capitalized Under
Prompt Corrective
Action Provisions

Amount

Ratio

Amount

Ratio

Amount

Ratio

Total Capital (to Risk Weighted Assets)

$

202,185

17.02

%

$

124,760

10.50

%

$

118,819

10.00

%

Tier 1 Capital (to Risk Weighted Assets)

$

191,996

16.16

%

$

100,996

8.50

%

$

95,056

8.00

%

Common Equity Tier 1 Capital (to Risk
   Weighted Assets)

$

191,996

16.16

%

$

83,174

7.00

%

$

77,233

6.50

%

Tier 1 Capital (to Average Assets)

$

191,996

10.42

%

$

73,727

4.00

%

$

92,158

5.00

%

December 31, 2024

Actual

Minimum Capital
Requirement(1)

Minimum To Be Well
Capitalized Under
Prompt Corrective
Action Provisions

Amount

Ratio

Amount

Ratio

Amount

Ratio

Total Capital (to Risk Weighted Assets)

$

198,841

16.14

%

$

129,382

10.50

%

$

123,221

10.00

%

Tier 1 Capital (to Risk Weighted Assets)

$

188,329

15.28

%

$

104,738

8.50

%

$

98,577

8.00

%

Common Equity Tier 1 Capital (to Risk Weighted Assets)

$

188,329

15.28

%

$

86,254

7.00

%

$

80,093

6.50

%

Tier 1 Capital (to Average Assets)

$

188,329

10.25

%

$

73,493

4.00

%

$

91,866

5.00

%