| Schedule of Actual and Required Capital Amounts and Ratios |
At December 31, 2025, we satisfied the minimum regulatory capital requirements and were well capitalized within the meaning of federal regulatory requirements. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | Minimum Capital Requirements | | Minimum to be Well Capitalized
Under Action Provisions | | (in thousands except for %) | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | December 31, 2025 | | | | | | | | | | | | | Total Risk-based Capital: | | | | | | | | | | | | | Bank | $ | 298,443 | | | 13.48 | % | | $ | 177,054 | | | 8.00 | % | | $ | 221,318 | | | 10.00 | % | | Consolidated | $ | 290,783 | | | 13.12 | % | | $ | 177,273 | | | 8.00 | % | | $ | 221,592 | | | 10.00 | % | | Tier 1 Capital: | | | | | | | | | | | | | Bank | $ | 270,796 | | | 12.24 | % | | $ | 132,791 | | | 6.00 | % | | $ | 177,054 | | | 8.00 | % | | Consolidated | $ | 233,136 | | | 10.52 | % | | $ | 132,955 | | | 6.00 | % | | $ | 177,273 | | | 8.00 | % | | Tier 1 Leverage Capital: | | | | | | | | | | | | | Bank | $ | 270,796 | | | 6.90 | % | | $ | 157,010 | | | 4.00 | % | | $ | 196,263 | | | 5.00 | % | | Consolidated | $ | 233,136 | | | 5.93 | % | | $ | 157,333 | | | 4.00 | % | | $ | 196,667 | | | N/A | | Common Equity Tier One Capital: | | | | | | | | | | | | | Bank | $ | 270,796 | | | 12.24 | % | | $ | 99,593 | | | 4.50 | % | | $ | 143,856 | | | 6.50 | % | | Consolidated | $ | 233,136 | | | 9.03 | % | | $ | 99,716 | | | 4.50 | % | | $ | 144,035 | | | N/A | | | | | | | | | | | | | | December 31, 2024 | | | | | | | | | | | | | Total Risk-based Capital: | | | | | | | | | | | | | Bank | $ | 342,634 | | | 12.11 | % | | $ | 226,395 | | | 8.00 | % | | $ | 282,994 | | | 10.00 | % | | Consolidated | $ | 332,125 | | | 11.73 | % | | $ | 226,583 | | | 8.00 | % | | $ | 283,229 | | | 10.00 | % | | Tier 1 Capital: | | | | | | | | | | | | | Bank | $ | 311,413 | | | 11.00 | % | | $ | 169,796 | | | 6.00 | % | | $ | 226,395 | | | 8.00 | % | | Consolidated | $ | 255,904 | | | 9.04 | % | | $ | 169,937 | | | 6.00 | % | | $ | 226,583 | | | 8.00 | % | | Tier 1 Leverage Capital: | | | | | | | | | | | | | Bank | $ | 311,413 | | | 7.82 | % | | $ | 159,319 | | | 4.00 | % | | $ | 199,149 | | | 5.00 | % | | Consolidated | $ | 255,904 | | | 6.42 | % | | $ | 159,330 | | | 4.00 | % | | $ | 199,162 | | | N/A | | Common Equity Tier One Capital: | | | | | | | | | | | | | Bank | $ | 311,413 | | | 11.00 | % | | $ | 127,347 | | | 4.50 | % | | $ | 183,946 | | | 6.50 | % | | Consolidated | $ | 255,904 | | | 7.87 | % | | $ | 127,453 | | | 4.50 | % | | $ | 184,099 | | | N/A |
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