| Schedule of compliance with regulatory capital requirements |
The following table presents the regulatory capital, assets and risk based capital (common equity Tier 1, Tier 1 and Total capital) ratios for the Bank at December 31, 2025 and 2024: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Bank Actual | | Minimum Capital Adequacy | | Minimum Capital Adequacy With Capital Buffer | | For Classification as Well Capitalized | | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | | (Dollars in thousands) | | December 31, 2025 | | | | | | | | | | | | | | | | | | Common equity tier 1 | | $ | 285,705 | | | 17.93 | % | | $ | 71,705 | | | 4.50 | % | | $ | 111,541 | | | 7.00 | % | | $ | 103,574 | | | 6.50 | % | | Tier 1 capital | | 285,705 | | | 17.93 | % | | 95,607 | | | 6.00 | % | | 135,443 | | | 8.50 | % | | 127,476 | | | 8.00 | % | | Total capital | | 300,998 | | | 18.89 | % | | 127,476 | | | 8.00 | % | | 167,312 | | | 10.50 | % | | 159,345 | | | 10.00 | % | | Tier 1 (leverage) capital | | 285,705 | | | 13.09 | % | | 87,286 | | | 4.00 | % | | N/A | | N/A | | 109,108 | | | 5.00 | % | | | | | | | | | | | | | | | | | | | December 31, 2024 | | | | | | | | | | | | | | | | | | Common equity tier 1 | | $ | 289,614 | | | 19.26 | % | | $ | 67,673 | | | 4.50 | % | | $ | 105,269 | | | 7.00 | % | | $ | 97,749 | | | 6.50 | % | | Tier 1 capital | | 289,614 | | | 19.26 | % | | 90,230 | | | 6.00 | % | | 127,826 | | | 8.50 | % | | 120,307 | | | 8.00 | % | | Total capital | | 302,834 | | | 20.14 | % | | 120,307 | | | 8.00 | % | | 157,903 | | | 10.50 | % | | 150,384 | | | 10.00 | % | | Tier 1 (leverage) capital | | 289,614 | | | 13.98 | % | | 82,862 | | | 4.00 | % | | N/A | | N/A | | 103,577 | | | 5.00 | % |
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