| Schedule of Banks’ Actual Capital Amounts and Ratios |
The Bank’s actual capital amounts and ratios
as of March 31, 2026 and December 31, 2025 are presented in the tables below (dollars in thousands).
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Minimum | |
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to be well | |
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Minimum | | |
capitalized under | |
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for capital | | |
prompt corrective | |
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Actual | | |
adequacy purposes | | |
action provisions | |
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Amount | | |
Ratio | | |
Amount | | |
Ratio | | |
Amount | | |
Ratio | |
| As of March 31, 2026: | |
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| Total capital (to risk-weighted assets) | |
$ | 267,555 | | |
| 14.0 | % | |
$ | 152,725 | | |
| 8.0 | % | |
$ | 190,906 | | |
| 10.0 | % |
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| Tier I capital (to risk-weighted assets) | |
$ | 249,108 | | |
| 13.0 | % | |
$ | 114,544 | | |
| 6.0 | % | |
$ | 152,725 | | |
| 8.0 | % |
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| Common equity Tier 1 capital (to risk-weighted assets) | |
$ | 249,108 | | |
| 13.0 | % | |
$ | 85,908 | | |
| 4.5 | % | |
$ | 124,089 | | |
| 6.5 | % |
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| Tier 1 capital (to average assets) | |
$ | 249,108 | | |
| 11.1 | % | |
$ | 89,458 | | |
| 4.0 | % | |
$ | 111,823 | | |
| 5.0 | % |
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Minimum | |
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| | |
to be well | |
| | |
| | |
| | |
Minimum | | |
capitalized under | |
| | |
| | |
| | |
for capital | | |
prompt corrective | |
| | |
Actual | | |
adequacy purposes | | |
action provisions | |
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Amount | | |
Ratio | | |
Amount | | |
Ratio | | |
Amount | | |
Ratio | |
| As of December 31, 2025: | |
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| Total capital (to risk-weighted assets) | |
$ | 255,727 | | |
| 13.5 | % | |
$ | 151,732 | | |
| 8.0 | % | |
$ | 189,665 | | |
| 10.0 | % |
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| Tier I capital (to risk-weighted assets) | |
$ | 237,827 | | |
| 12.5 | % | |
$ | 113,799 | | |
| 6.0 | % | |
$ | 151,732 | | |
| 8.0 | % |
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| Common equity Tier 1 capital (to risk-weighted assets) | |
$ | 237,827 | | |
| 12.5 | % | |
$ | 85,349 | | |
| 4.5 | % | |
$ | 123,282 | | |
| 6.5 | % |
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| Tier 1 capital (to average assets) | |
$ | 237,827 | | |
| 10.8 | % | |
$ | 88,218 | | |
| 4.0 | % | |
$ | 110,272 | | |
| 5.0 | % |
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