| Schedule of Actual Capital Amounts and Ratios |
The Association’s actual capital amounts and ratios as of March 31, 2026 and March 31, 2025, are also presented in the table below:
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Actual |
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Minimum Required for
Capital Adequacy Purposes |
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Minimum Required To be
Well-Capitalized Under
Prompt Corrective Action
Provisions |
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As of March 31, 2026 |
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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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(Dollars in thousands) |
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Total Capital (to Risk- Weighted Assets) |
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$ |
78,679 |
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17.30 |
% |
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$ |
36,387 |
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8.00 |
% |
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$ |
45,484 |
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10.00 |
% |
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Tier 1 Capital (to Risk- Weighted Assets) |
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$ |
72,990 |
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16.05 |
% |
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$ |
27,291 |
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6.00 |
% |
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$ |
36,387 |
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8.00 |
% |
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Common Equity Tier 1 Capital to Risk-Weighted Assets |
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$ |
72,990 |
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16.05 |
% |
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$ |
20,468 |
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4.50 |
% |
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$ |
29,565 |
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6.50 |
% |
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Tier 1 Capital (to Average Assets) |
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$ |
72,990 |
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13.48 |
% |
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$ |
21,658 |
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4.00 |
% |
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$ |
27,073 |
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5.00 |
% |
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As of March 31, 2025 |
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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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Total Capital (to Risk- Weighted Assets) |
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$ |
72,977 |
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17.83 |
% |
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$ |
32,734 |
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8.00 |
% |
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$ |
40,918 |
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10.00 |
% |
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Tier 1 Capital (to Risk- Weighted Assets) |
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$ |
67,856 |
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16.58 |
% |
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$ |
24,551 |
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6.00 |
% |
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$ |
32,734 |
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8.00 |
% |
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Common Equity Tier 1 Capital to Risk-Weighted Assets |
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$ |
67,856 |
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16.58 |
% |
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$ |
18,413 |
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4.50 |
% |
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$ |
26,597 |
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6.50 |
% |
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Tier 1 Capital (to Average Assets) |
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$ |
67,856 |
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13.78 |
% |
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$ |
19,701 |
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4.00 |
% |
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$ |
24,626 |
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5.00 |
% |
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