| Schedule of actual capital ratios and the minimum ratios required for capital adequacy purposes and to be well capitalized under the prompt corrective action provisions |
| | | | | | | | | | | | | | | | | | | | | March 31, 2026 | | | | | | | | | | | | | | | | Minimum to be Well | | | | | | | | | | | | | | | | Capitalized under | | | | | | | | | | Minimum For Capital | | | Prompt Corrective | | | | Actual | | | Adequacy Purposes | | | Action Provisions | | (Dollars in thousands, except percents) | | Amount | | Ratio | | | Amount | | Ratio | | | Amount | | Ratio | | Common equity Tier 1 capital to risk-weighted assets: | | | | | | | | | | | | | | | | | | | Company | | $ | 450,966 | | 10.96 | % | | $ | 185,296 | | 4.50 | % | | | NA | | NA | | Bank | | | 532,086 | | 12.95 | | | | 184,882 | | 4.50 | | | $ | 267,051 | | 6.50 | % | Tier 1 capital to risk-weighted assets: | | | | | | | | | | | | | | | | | | | Company | | | 460,966 | | 11.20 | | | | 247,062 | | 6.00 | | | | NA | | NA | | Bank | | | 532,086 | | 12.95 | | | | 246,509 | | 6.00 | | | | 328,679 | | 8.00 | | Total capital to risk-weighted assets: | | | | | | | | | | | | | | | | | | | Company | | | 582,785 | | 14.16 | | | | 329,416 | | 8.00 | | | | NA | | NA | | Bank | | | 570,616 | | 13.89 | | | | 328,679 | | 8.00 | | | | 410,848 | | 10.00 | | Tier 1 capital to average assets: | | | | | | | | | | | | | | | | | | | Company | | | 460,966 | | 9.03 | | | | 204,234 | | 4.00 | | | | NA | | NA | | Bank | | | 532,086 | | 10.42 | | | | 204,233 | | 4.00 | | | | 255,292 | | 5.00 | | NA = not applicable | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | December 31, 2025 | | | | | | | | | | | | | | | | Minimum to be Well | | | | | | | | | | | | | | | | Capitalized under | | | | | | | | | | Minimum For Capital | | | Prompt Corrective | | | | Actual | | | Adequacy Purposes | | | Action Provisions | | (Dollars in thousands, except percents) | | Amount | | Ratio | | | Amount | | Ratio | | | Amount | | Ratio | | Common equity Tier 1 capital to risk-weighted assets: | | | | | | | | | | | | | | | | | | | Company | | $ | 440,852 | | 11.03 | % | | $ | 179,784 | | 4.50 | % | | | NA | | NA | | Bank | | | 520,587 | | 13.06 | | | | 179,427 | | 4.50 | | | $ | 259,172 | | 6.50 | % | Tier 1 capital to risk-weighted assets: | | | | | | | | | | | | | | | | | | | Company | | | 450,852 | | 11.28 | | | | 239,712 | | 6.00 | | | | NA | | NA | | Bank | | | 520,587 | | 13.06 | | | | 239,236 | | 6.00 | | | | 318,981 | | 8.00 | | Total capital to risk-weighted assets: | | | | | | | | | | | | | | | | | | | Company | | | 571,887 | | 14.31 | | | | 319,617 | | 8.00 | | | | NA | | NA | | Bank | | | 558,435 | | 14.01 | | | | 318,981 | | 8.00 | | | | 398,726 | | 10.00 | | Tier 1 capital to average assets: | | | | | | | | | | | | | | | | | | | Company | | | 450,852 | | 8.84 | | | | 204,039 | | 4.00 | | | | NA | | NA | | Bank | | | 520,587 | | 10.22 | | | | 203,726 | | 4.00 | | | | 254,658 | | 5.00 | | NA = not applicable | | | | | | | | | | | | | | | | | | |
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