| Actual Capital Amounts and Ratios |
The Company and its bank subsidiary’s actual capital amounts and ratios at the dates indicated follows (dollars in thousands):
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Actual
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Minimum Required
Under BASEL III
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To Be Well Capitalized
Under Prompt Corrective
Action Provisions
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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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March 31, 2026
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Total Capital to Risk Weighted Assets:
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Consolidated
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$
|
634,568 |
|
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17.61 |
%
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$
|
378,314 |
|
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10.50 |
%
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N/A
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N/A
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City Bank
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|
541,696 |
|
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|
15.04 |
%
|
|
|
378,180 |
|
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|
10.50 |
%
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$
|
360,171 |
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|
10.00 |
%
|
| |
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Tier 1 Capital to Risk Weighted Assets:
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Consolidated
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|
578,230 |
|
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16.05 |
%
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|
306,254 |
|
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|
8.50 |
%
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N/A
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N/A
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City Bank
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|
496,654 |
|
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|
13.79 |
%
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|
|
306,146 |
|
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|
8.50 |
%
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|
288,137 |
|
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|
8.00 |
%
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Common Equity Tier 1 to Risk Weighted Assets:
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Consolidated
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533,230 |
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14.80 |
%
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|
252,209 |
|
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|
7.00 |
%
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N/A
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N/A
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City Bank
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496,654 |
|
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|
13.79 |
%
|
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|
252,120 |
|
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|
7.00 |
%
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|
234,111 |
|
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6.50 |
%
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| |
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Tier 1 Capital to Average Assets:
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Consolidated
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|
578,230 |
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12.68 |
%
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|
183,243 |
|
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|
4.00 |
%
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N/A
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N/A
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City Bank
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|
496,654 |
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10.90 |
%
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|
183,154 |
|
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|
4.00 |
%
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|
227,926 |
|
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5.00 |
%
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| |
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|
December 31, 2025
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Total Capital to Risk Weighted Assets:
|
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Consolidated
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$
|
622,485 |
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|
17.26 |
%
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|
$
|
378,645 |
|
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|
10.50 |
%
|
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N/A
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N/A
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|
City Bank
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|
|
537,444 |
|
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|
14.91 |
%
|
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|
378,576 |
|
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|
10.50 |
%
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$
|
360,549 |
|
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|
10.00 |
%
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Tier 1 Capital to Risk Weighted Assets:
|
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|
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|
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Consolidated
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|
566,107 |
|
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|
15.70 |
%
|
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|
306,522 |
|
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|
8.50 |
%
|
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N/A
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N/A
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City Bank
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|
|
492,355 |
|
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|
13.66 |
%
|
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|
306,466 |
|
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|
8.50 |
%
|
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|
288,439 |
|
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|
8.00 |
%
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| |
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Common Equity Tier 1 to Risk Weighted Assets:
|
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|
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|
|
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|
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Consolidated
|
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|
521,107 |
|
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|
14.45 |
%
|
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|
252,430 |
|
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|
7.00 |
%
|
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N/A
|
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N/A
|
|
|
City Bank
|
|
|
492,355 |
|
|
|
13.66 |
%
|
|
|
252,384 |
|
|
|
7.00 |
%
|
|
|
234,357 |
|
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|
6.50 |
%
|
| |
|
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|
Tier 1 Capital to Average Assets:
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated
|
|
|
566,107 |
|
|
|
12.53 |
%
|
|
|
181,591 |
|
|
|
4.00 |
%
|
|
|
N/A
|
|
|
|
N/A
|
|
|
City Bank
|
|
|
492,355 |
|
|
|
10.90 |
%
|
|
|
181,512 |
|
|
|
4.00 |
%
|
|
|
225,868 |
|
|
|
5.00 |
%
|
|