| Capital Ratios and Regulatory Minimum Requirements |
The Company and the Bank’s actual capital amounts and ratios are presented as follows:
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Capital levels |
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Actual |
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Adequately capitalized |
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Well capitalized |
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At March 31, 2026 |
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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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Total risk-based capital (to risk-weighted assets): |
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The Company |
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$ |
228,020 |
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15.65 |
% |
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$ |
116,577 |
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8.00 |
% |
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$ |
145,722 |
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10.00 |
% |
Bank |
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202,448 |
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13.91 |
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116,462 |
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8.00 |
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145,577 |
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10.00 |
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Tier 1 capital (to risk-weighted assets): |
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The Company |
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$ |
178,416 |
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12.24 |
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87,433 |
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6.00 |
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87,433 |
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6.00 |
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Bank |
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192,844 |
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13.25 |
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87,346 |
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6.00 |
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116,462 |
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8.00 |
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Common equity tier 1 capital (to risk-weighted
assets): |
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The Company |
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178,416 |
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12.24 |
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65,575 |
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4.50 |
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N/A |
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N/A |
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Bank |
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192,844 |
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13.25 |
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65,510 |
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4.50 |
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94,625 |
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6.50 |
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Tier 1 capital (to average assets): |
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The Company |
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178,416 |
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9.13 |
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78,177 |
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4.00 |
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N/A |
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N/A |
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Bank |
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192,844 |
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9.98 |
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77,265 |
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4.00 |
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96,581 |
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5.00 |
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Capital levels |
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Actual |
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Adequately capitalized |
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Well capitalized |
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At December 31, 2025 |
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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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Total risk-based capital (to risk-weighted assets): |
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The Company |
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$ |
225,324 |
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15.86 |
% |
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$ |
113,675 |
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8.00 |
% |
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$ |
142,093 |
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|
10.00 |
% |
Bank |
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|
201,024 |
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14.15 |
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113,623 |
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8.00 |
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142,029 |
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10.00 |
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Tier 1 capital (to risk-weighted assets): |
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The Company |
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$ |
176,033 |
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12.39 |
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85,256 |
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6.00 |
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85,256 |
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6.00 |
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Bank |
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191,733 |
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13.50 |
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85,217 |
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6.00 |
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113,623 |
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8.00 |
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Common equity tier 1 capital (to risk-weighted
assets): |
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The Company |
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$ |
176,033 |
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12.39 |
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|
63,942 |
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4.50 |
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N/A |
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N/A |
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Bank |
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191,733 |
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13.50 |
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63,913 |
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4.50 |
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92,319 |
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6.50 |
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Tier 1 capital (to average assets): |
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The Company |
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$ |
176,033 |
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9.02 |
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78,045 |
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4.00 |
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N/A |
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N/A |
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Bank |
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191,733 |
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9.94 |
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|
77,131 |
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4.00 |
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|
96,414 |
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5.00 |
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