To be well

capitalized under

For capital

prompt corrective

Actual

adequacy purposes

action provisions

As of March 31, 2026

Amount

Ratio

Amount

Ratio

Amount

Ratio

(dollars in thousands)

Tier 1 Leverage ratio

$

149,768

16.81

%

$

35,632

4.00

%

$

44,540

5.00

%

Tier 1 capital (to risk-weighted assets)

$

149,768

21.27

%

$

42,245

6.00

%

$

56,327

8.00

%

Common Equity Tier 1 Capital Ratio (to risk-weighted assets)

$

149,768

21.27

%

$

31,684

4.50

%

$

45,765

6.50

%

Total Capital ratio (to risk-weighted assets)

$

156,311

22.20

%

$

56,327

8.00

%

$

70,408

10.00

%

To be well
capitalized under

For capital

prompt corrective

Actual

adequacy purposes

action provisions

As of December 31, 2025

Amount

Ratio

Amount

Ratio

Amount

Ratio

(dollars in thousands)

Tier 1 Leverage ratio

$

147,851

16.44

%

$

35,976

4.00

%

$

44,970

5.00

%

Tier 1 capital (to risk-weighted assets)

$

147,851

21.13

%

$

41,989

6.00

%

$

55,986

8.00

%

Common Equity Tier 1 Capital Ratio (to risk-weighted assets)

$

147,851

21.13

%

$

31,492

4.50

%

$

45,488

6.50

%

Total Capital ratio (to risk-weighted assets)

$

154,386

22.06

%

$

55,986

8.00

%

$

69,982

10.00

%