| Capital Ratio Requirements under Prompt Corrective Action or Other Regulatory Requirements |
| | | | | | | | | | | | | | | | | | June 30, 2026 | | | | | | | | Required to be | | Required to be | | | | | | | | well capitalized under | | considered | | | | | | | | prompt corrective | | adequately | | | Actual | | action provisions | | capitalized(1) | | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | Amount | Tier 1 leverage ratio: | | | | | | | | | | | | | | | | Consolidated | | 10.3% | | $ | 1,230,519 | | N/A | | | N/A | | 4.0% | | $ | 477,802 | NBH Bank | | 10.3% | | | 1,223,193 | | 5.0% | | $ | 595,277 | | 4.0% | | | 476,221 | Bank of Jackson Hole Trust | | 38.4% | | | 14,897 | | 5.0% | | | 1,941 | | 4.0% | | | 1,553 | Common equity tier 1 risk based capital: | | | | | | | | | | | | | | | | Consolidated | | 12.3% | | $ | 1,230,519 | | N/A | | | N/A | | 7.0% | | $ | 701,079 | NBH Bank | | 12.3% | | | 1,223,193 | | 6.5% | | $ | 647,927 | | 7.0% | | | 697,768 | Bank of Jackson Hole Trust | | 140.7% | | | 14,897 | | 6.5% | | | 688 | | 7.0% | | | 741 | Tier 1 risk based capital ratio: | | | | | | | | | | | | | | | | Consolidated | | 12.3% | | $ | 1,230,519 | | N/A | | | N/A | | 8.5% | | $ | 851,310 | NBH Bank | | 12.3% | | | 1,223,193 | | 8.0% | | $ | 797,449 | | 8.5% | | | 847,290 | Bank of Jackson Hole Trust | | 140.7% | | | 14,897 | | 8.0% | | | 847 | | 8.5% | | | 900 | Total risk based capital ratio: | | | | | | | | | | | | | | | | Consolidated | | 15.4% | | $ | 1,544,336 | | N/A | | | N/A | | 10.5% | | $ | 1,051,618 | NBH Bank | | 13.4% | | | 1,335,167 | | 10.0% | | $ | 996,811 | | 10.5% | | | 1,046,652 | Bank of Jackson Hole Trust | | 141.2% | | | 14,949 | | 10.0% | | | 1,059 | | 10.5% | | | 1,112 |
(1) | | Includes the capital conservation buffer of 2.5%. |
| | | | | | | | | | | | | | | | | | December 31, 2025 | | | | | | | | Required to be | | Required to be | | | | | | | | well capitalized under | | considered | | | | | | | | prompt corrective | | adequately | | | Actual | | action provisions | | capitalized(1) | | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | Amount | Tier 1 leverage ratio: | | | | | | | | | | | | | | | | Consolidated | | 11.6% | | $ | 1,101,481 | | N/A | | | N/A | | 4.0% | | $ | 381,030 | NBH Bank | | 10.2% | | | 963,497 | | 5.0% | | $ | 474,353 | | 4.0% | | | 379,483 | Bank of Jackson Hole Trust | | 34.2% | | | 13,219 | | 5.0% | | | 1,934 | | 4.0% | | | 1,548 | Common equity tier 1 risk based capital: | | | | | | | | | | | | | | | | Consolidated | | 14.9% | | $ | 1,101,481 | | N/A | | | N/A | | 7.0% | | $ | 517,822 | NBH Bank | | 13.1% | | | 963,497 | | 6.5% | | $ | 477,845 | | 7.0% | | | 514,602 | Bank of Jackson Hole Trust | | 79.3% | | | 13,219 | | 6.5% | | | 1,083 | | 7.0% | | | 1,167 | Tier 1 risk based capital ratio: | | | | | | | | | | | | | | | | Consolidated | | 14.9% | | $ | 1,101,481 | | N/A | | | N/A | | 8.5% | | $ | 628,784 | NBH Bank | | 13.1% | | | 963,497 | | 8.0% | | $ | 588,117 | | 8.5% | | | 624,874 | Bank of Jackson Hole Trust | | 79.3% | | | 13,219 | | 8.0% | | | 1,333 | | 8.5% | | | 1,417 | Total risk based capital ratio: | | | | | | | | | | | | | | | | Consolidated | | 16.8% | | $ | 1,244,572 | | N/A | | | N/A | | 10.5% | | $ | 776,733 | NBH Bank | | 14.3% | | | 1,051,838 | | 10.0% | | $ | 735,146 | | 10.5% | | | 771,904 | Bank of Jackson Hole Trust | | 79.5% | | | 13,250 | | 10.0% | | | 1,667 | | 10.5% | | | 1,750 |
| | | (1) | | Includes the capital conservation buffer of 2.5%. |
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