| Schedule of actual and required capital amounts and ratios |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | To be Well Capitalized | | | | | | | | | For Capital Adequacy | | For Capital Adequacy | | under Prompt | | | | Actual | | Purposes | | Purposes with Capital Buffer | | Corrective Action Provisions | | | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | March 31, 2026 | | | | | | | | | | | | | | | | | | | | | | Total capital to risk weighted assets | | $ | 373,538 | | 18.91 | % | $ | 158,022 | | 8.00 | % | $ | 195,059 | | 9.875 | % | $ | 197,528 | | 10.00 | % | Tier 1 (Core) capital to risk weighted assets | | | 348,803 | | 17.66 | % | | 118,517 | | 6.00 | % | | 155,553 | | 7.875 | % | | 158,022 | | 8.00 | % | Common Tier 1 (CET1) to risk weighted assets | | | 348,803 | | 17.66 | % | | 88,887 | | 4.50 | % | | 125,924 | | 6.375 | % | | 128,393 | | 6.50 | % | Tier 1 (Core) Capital to average assets | | | 348,803 | | 12.80 | % | | 109,029 | | 4.00 | % | | N/A | | N/A | | | 136,286 | | 5.00 | % | December 31, 2025 | | | | | | | | | | | | | | | | | | | | | | Total capital to risk weighted assets | | $ | 364,506 | | 18.58 | % | $ | 156,926 | | 8.00 | % | $ | 193,706 | | 9.875 | % | $ | 196,158 | | 10.00 | % | Tier 1 (Core) capital to risk weighted assets | | | 339,939 | | 17.33 | % | | 117,695 | | 6.00 | % | | 154,474 | | 7.875 | % | | 156,926 | | 8.00 | % | Common Tier 1 (CET1) to risk weighted assets | | | 339,939 | | 17.33 | % | | 88,271 | | 4.50 | % | | 125,051 | | 6.375 | % | | 127,503 | | 6.50 | % | Tier 1 (Core) Capital to average assets | | | 339,939 | | 12.67 | % | | 107,326 | | 4.00 | % | | N/A | | N/A | | | 134,158 | | 5.00 | % |
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