Actual

Required for Capital

Adequacy Purposes

Minimum Requirements To Be Well Capitalized Under Prompt Corrective Action Regulations

(000’s omitted)

Amount

Ratio

Amount

Ratio

Amount

Ratio

December 31, 2025:

Total Capital to risk weighted assets

$

10,245

18.80

%

$

4,360

8.00

%

$

5,450

10.00

%

Tier 1 (Core) Capital

to risk weighted assets

$

10,015

18.37

%

$

3,270

6.00

%

$

4,360

8.00

%

Common Tier 1 (CET1)

$

10,015

18.37

%

$

2,453

4.50

%

$

3,543

6.50

%

Tier 1 (Core) Capital

to average assets

$

10,015

4.17

%

$

9,616

4.00

%

$

12,020

5.00

%

December 31, 2024:

Total Capital to risk weighted assets

$

10,035

61.29

%

$

1,310

8.00

%

$

1,637

10.00

%

Tier 1 (Core) Capital

to risk weighted assets

$

9,992

61.03

%

$

982

6.00

%

$

1,310

8.00

%

Common Tier 1 (CET1)

$

9,992

61.03

%

$

737

4.50

%

$

1,064

6.50

%

Tier 1 (Core) Capital

to average assets

$

9,992

5.80

%

$

6,890

4.00

%

$

8,613

5.00

%