| Schedule of Capital Amounts and Ratios |
The Company’s and the Bank’s actual capital amounts and ratios as of December 31, 2025 and December 31, 2024 are presented in the following tables:
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Actual |
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Minimum Capital
Requirement |
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Minimum To Be
Well Capitalized
Under Prompt
Corrective Action
Provisions |
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(Dollars in thousands) |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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December 31, 2025 |
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Company |
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Total Risk-Based Capital: |
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$ |
430,414 |
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19.7 |
% |
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$ |
175,124 |
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8.0 |
% |
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N/A |
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N/A |
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Common Equity Tier 1 Risk-Based
Capital |
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379,888 |
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17.4 |
% |
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98,507 |
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4.5 |
% |
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N/A |
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N/A |
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Tier 1 Risk-Based Capital: |
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379,888 |
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17.4 |
% |
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131,343 |
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6.0 |
% |
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N/A |
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N/A |
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Tier 1 Leverage Capital: |
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379,888 |
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13.8 |
% |
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87,562 |
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4.0 |
% |
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N/A |
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N/A |
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Bank |
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Total Risk-Based Capital: |
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$ |
349,160 |
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15.9 |
% |
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$ |
176,232 |
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8.0 |
% |
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$ |
220,290 |
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10.0 |
% |
Common Equity Tier 1 Risk-Based
Capital |
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326,448 |
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14.8 |
% |
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99,130 |
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4.5 |
% |
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143,188 |
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6.5 |
% |
Tier 1 Risk-Based Capital: |
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326,448 |
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14.8 |
% |
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132,174 |
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6.0 |
% |
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176,232 |
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8.0 |
% |
Tier 1 Leverage Capital: |
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326,448 |
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11.9 |
% |
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88,116 |
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4.0 |
% |
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110,145 |
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5.0 |
% |
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Actual |
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Minimum Capital
Requirement |
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|
Minimum To Be
Well Capitalized
Under Prompt
Corrective Action
Provisions |
|
(Dollars in thousands) |
|
Amount |
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Ratio |
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Amount |
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Ratio |
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|
Amount |
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|
Ratio |
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December 31, 2024 |
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Company |
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Total Risk-Based Capital: |
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$ |
253,074 |
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12.2 |
% |
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$ |
165,460 |
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8.0 |
% |
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N/A |
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N/A |
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Common Equity Tier 1 Risk-Based
Capital |
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231,333 |
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9.8 |
% |
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93,071 |
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4.5 |
% |
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N/A |
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N/A |
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Tier 1 Risk-Based Capital: |
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231,333 |
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9.8 |
% |
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124,095 |
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6.0 |
% |
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N/A |
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N/A |
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Tier 1 Leverage Capital: |
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231,333 |
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8.7 |
% |
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106,298 |
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4.0 |
% |
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N/A |
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N/A |
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Bank |
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Total Risk-Based Capital: |
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$ |
248,301 |
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11.9 |
% |
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$ |
167,391 |
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8.0 |
% |
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$ |
209,238 |
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10.0 |
% |
Common Equity Tier 1 Risk-Based
Capital |
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225,561 |
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10.8 |
% |
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94,157 |
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4.5 |
% |
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136,005 |
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6.5 |
% |
Tier 1 Risk-Based Capital: |
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225,561 |
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10.8 |
% |
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125,543 |
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6.0 |
% |
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167,391 |
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8.0 |
% |
Tier 1 Leverage Capital: |
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225,561 |
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8.4 |
% |
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|
108,052 |
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4.0 |
% |
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|
135,064 |
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5.0 |
% |
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