| Actual Capital Amounts and Ratios |
The Company’s and Bank’s actual capital amounts and ratios are presented in the following table (dollars in thousands):
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Minimum
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To Be Well Capitalized
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Minimum
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With Capital
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Under Prompt
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Actual
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Capital Requirements
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Conservation Buffer
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Corrective Action
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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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Amount
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Ratio
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As of March 31, 2026
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| Total capital to risk-weighted assets |
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$
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270,494 |
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15.96 |
%
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$
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135,614 |
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8.00 |
%
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$
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177,993 |
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10.50 |
%
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N/A
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N/A
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Bank
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270,454 |
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15.96 |
%
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135,533 |
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8.00 |
%
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177,887 |
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10.50 |
%
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$
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169,416 |
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10.00 |
%
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| Tier I capital to risk-weighted assets |
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250,578 |
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14.78 |
%
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101,711 |
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6.00 |
%
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144,090 |
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8.50 |
%
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N/A
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N/A
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Bank
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250,538 |
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14.79 |
%
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101,650 |
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6.00 |
%
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144,004 |
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8.50 |
%
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135,533 |
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8.00 |
%
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| Common equity tier I capital to risk-weighted assets |
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Company
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250,578 |
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14.78 |
%
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76,283 |
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4.50 |
%
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118,662 |
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7.00 |
%
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N/A
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N/A
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Bank
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250,538 |
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14.79 |
%
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76,237 |
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4.50 |
%
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118,592 |
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7.00 |
%
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110,121 |
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6.50 |
%
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| Tier I capital to average assets |
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250,578 |
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13.24 |
%
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75,688 |
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4.00 |
%
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N/A
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N/A
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N/A
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N/A
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Bank
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250,538 |
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13.24 |
%
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75,688 |
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4.00 |
%
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N/A
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N/A
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94,611 |
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5.00 |
%
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As of December 31, 2025
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| Total capital to risk-weighted assets |
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Company
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$
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261,451 |
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15.24 |
%
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$
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137,201 |
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8.00 |
%
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$
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180,076 |
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10.50 |
%
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N/A
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N/A
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Bank
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261,411 |
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15.25 |
%
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137,120 |
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8.00 |
%
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179,970 |
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10.50 |
%
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$
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171,400 |
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10.00 |
%
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| Tier I capital to risk-weighted assets |
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Company
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241,580 |
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14.09 |
%
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102,901 |
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6.00 |
%
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145,776 |
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8.50 |
%
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N/A
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N/A
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Bank
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241,540 |
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14.09 |
%
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102,840 |
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6.00 |
%
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145,690 |
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8.50 |
%
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137,120 |
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8.00 |
%
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| Common equity tier I capital to risk-weighted assets |
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Company
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241,580 |
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14.09 |
%
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77,175 |
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4.50 |
%
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120,051 |
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7.00 |
%
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N/A
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N/A
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Bank
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241,540 |
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14.09 |
%
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77,130 |
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4.50 |
%
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119,980 |
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7.00 |
%
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111,410 |
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6.50 |
%
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| Tier I capital to average assets |
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241,580 |
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12.82 |
%
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75,370 |
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4.00 |
%
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N/A
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N/A
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N/A
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N/A
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Bank
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241,540 |
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12.82 |
%
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75,370 |
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4.00 |
%
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N/A
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N/A
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94,213 |
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5.00 |
%
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