| Schedule of compliance with regulatory capital requirements under banking regulations |
| | | | | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | | | | | | | | For Capital | | | Minimum Capital | | | To Be Well Capitalized | | | | | | | | | | Adequacy | | | Adequacy with | | | Under Prompt Corrective | | | | Actual | | | Purposes | | | Capital Buffer | | | Action Provisions | | | | Amount | | Ratio | | | Amount | | Ratio | | | Amount | | Ratio | | | Amount | | Ratio | | As of December 31, 2025: | | | | | | | | | | | | | | | | | | | | | | | | | Total Capital (to Risk-Weighted Assets) | | $ | 161,898 | | 16.12 | % | | $ | 80,353 | | 8.00 | % | | $ | 105,463 | | 10.50 | % | | $ | 100,441 | | 10.00 | % | Tier 1 Capital (to Risk-Weighted Assets) | | $ | 152,396 | | 15.17 | % | | $ | 60,265 | | 6.00 | % | | $ | 85,375 | | 8.50 | % | | $ | 80,353 | | 8.00 | % | Common Equity Tier 1 Capital (to Risk-Weighted Assets) | | $ | 152,396 | | 15.17 | % | | $ | 45,199 | | 4.50 | % | | $ | 70,309 | | 7.00 | % | | $ | 65,287 | | 6.50 | % | Tier 1 Capital (to Average Assets) | | $ | 152,396 | | 9.62 | % | | $ | 63,340 | | 4.00 | % | | $ | 63,340 | | 4.00 | % | | $ | 79,175 | | 5.00 | % |
| | | | | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | | | | | | | | For Capital | | | Minimum Capital | | | To Be Well Capitalized | | | | | | | | | | Adequacy | | | Adequacy with | | | Under Prompt Corrective | | | | Actual | | | Purposes | | | Capital Buffer | | | Action Provisions | | | | Amount | | Ratio | | | Amount | | Ratio | | | Amount | | Ratio | | | Amount | | Ratio | | As of December 31, 2024: | | | | | | | | | | | | | | | | | | | | | | | | | Total Capital (to Risk-Weighted Assets) | | $ | 158,282 | | 15.69 | % | | $ | 80,723 | | 8.00 | % | | $ | 105,949 | | 10.50 | % | | $ | 100,904 | | 10.00 | % | Tier 1 Capital (to Risk-Weighted Assets) | | $ | 150,508 | | 14.92 | % | | $ | 60,542 | | 6.00 | % | | $ | 85,768 | | 8.50 | % | | $ | 80,723 | | 8.00 | % | Common Equity Tier 1 Capital (to Risk-Weighted Assets) | | $ | 150,508 | | 14.92 | % | | $ | 45,407 | | 4.50 | % | | $ | 70,633 | | 7.00 | % | | $ | 65,588 | | 6.50 | % | Tier 1 Capital (to Average Assets) | | $ | 150,508 | | 10.24 | % | | $ | 58,811 | | 4.00 | % | | $ | 58,811 | | 4.00 | % | | $ | 73,513 | | 5.00 | % |
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