| Schedule of Bank’s Tier 1 (Leverage) and Risk-Based Capital Ratios |
The Bank’s Tier 1 (leverage) and risk-based capital ratios at June 30, 2026 and December 31, 2025, respectively, are presented below: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | For Capital Adequacy
Purposes | | To Be Well Capitalized
Under Prompt Corrective
Action Provisions | | | Amount | | Ratio | | Amount | | | | Ratio | | Amount | | | | Ratio | | As of June 30, 2026 | | | | | | | | | | | | | | | | | | Total capital (to risk weighted assets) | | $ | 217,120 | | | 14.2 | % | | $ | 122,375 | | | > = | | 8.0 | % | | $ | 152,969 | | | > = | | 10.0 | % | | Tier 1 capital (to risk weighted assets) | | 197,910 | | | 12.9 | % | | 91,781 | | | > = | | 6.0 | % | | 122,375 | | | > = | | 8.0 | % | | Common equity tier 1 capital (to risk weighted assets) | | 197,910 | | | 12.9 | % | | 68,836 | | | > = | | 4.5 | % | | 99,430 | | | > = | | 6.5 | % | | Tier 1 leverage ratio (to adjusted total assets) | | 197,910 | | | 11.2 | % | | 70,602 | | | > = | | 4.0 | % | | 88,252 | | | > = | | 5.0 | % | | As of December 31, 2025 | | | | | | | | | | | | | | | | | | Total capital (to risk weighted assets) | | $ | 212,898 | | | 14.6 | % | | $ | 116,492 | | | > = | | 8.0 | % | | $ | 145,615 | | | > = | | 10.0 | % | | Tier 1 capital (to risk weighted assets) | | 194,639 | | | 13.4 | % | | 87,369 | | | > = | | 6.0 | % | | 116,492 | | | > = | | 8.0 | % | | Common equity tier 1 capital (to risk weighted assets) | | 194,639 | | | 13.4 | % | | 65,527 | | | > = | | 4.5 | % | | 94,650 | | | > = | | 6.5 | % | | Tier 1 leverage ratio (to adjusted total assets) | | 194,639 | | | 11.3 | % | | 68,711 | | | > = | | 4.0 | % | | 85,888 | | | > = | | 5.0 | % | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
The Company’s Tier 1 (leverage) and risk-based capital ratios at June 30, 2026 and December 31, 2025, respectively, are presented below: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | For Capital Adequacy
Purposes | | | | | Amount | | Ratio | | Amount | | | | Ratio | | | | | | | | As of June 30, 2026 | | | | | | | | | | | | | | | | | | Total capital (to risk weighted assets) | | $ | 225,950 | | | 14.7 | % | | $ | 122,605 | | | > = | | 8.0 | % | | | | | | | | Tier 1 capital (to risk weighted assets) | | 171,704 | | | 11.2 | % | | 91,954 | | | > = | | 6.0 | % | | | | | | | | Common equity tier 1 capital (to risk weighted assets) | | 171,704 | | | 11.2 | % | | 68,965 | | | > = | | 4.5 | % | | | | | | | | Tier 1 leverage ratio (to adjusted total assets) | | 171,704 | | | 9.7 | % | | 70,715 | | | > = | | 4.0 | % | | | | | | | | As of December 31, 2025 | | | | | | | | | | | | | | | | | | Total capital (to risk weighted assets) | | $ | 222,910 | | | 15.3 | % | | $ | 116,686 | | | > = | | 8.0 | % | | | | | | | | Tier 1 capital (to risk weighted assets) | | 169,621 | | | 11.6 | % | | 87,514 | | | > = | | 6.0 | % | | | | | | | | Common equity tier 1 capital (to risk weighted assets) | | 169,621 | | | 11.6 | % | | 65,636 | | | > = | | 4.5 | % | | | | | | | | Tier 1 leverage ratio (to adjusted total assets) | | 169,621 | | | 9.9 | % | | 68,806 | | | > = | | 4.0 | % | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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