| Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations |
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Actual |
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Required for Capital
Adequacy Purposes |
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To be Well Capitalized
Under Prompt
Corrective Action
Regulations * |
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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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As of June 30, 2026 |
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Total risk-based capital (to risk-weighted assets) |
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Company Consolidated |
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$ |
413,850 |
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15.82 |
% |
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$ |
209,245 |
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8.00 |
% |
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$ |
261,556 |
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10.00 |
% |
Bank |
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404,120 |
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15.52 |
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208,351 |
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8.00 |
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260,439 |
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10.00 |
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Common equity tier 1 (to risk-weighted assets) |
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Company Consolidated |
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371,123 |
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14.19 |
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117,700 |
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4.50 |
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170,012 |
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6.50 |
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Bank |
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371,530 |
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14.27 |
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117,198 |
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4.50 |
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169,285 |
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6.50 |
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Tier 1 capital (to risk-weighted assets) |
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Company Consolidated |
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381,123 |
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14.57 |
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156,934 |
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6.00 |
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209,245 |
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8.00 |
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Bank |
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371,530 |
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14.27 |
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156,263 |
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6.00 |
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208,351 |
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8.00 |
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Tier 1 capital (to average total assets) |
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Company Consolidated |
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381,123 |
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13.17 |
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115,758 |
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4.00 |
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144,697 |
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5.00 |
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Bank |
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371,530 |
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12.88 |
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115,343 |
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4.00 |
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144,179 |
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5.00 |
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As of December 31, 2025 |
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Total risk-based capital (to risk-weighted assets) |
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Company Consolidated |
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$ |
385,054 |
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16.12 |
% |
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$ |
191,088 |
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8.00 |
% |
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$ |
238,860 |
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10.00 |
% |
Bank |
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374,667 |
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15.70 |
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190,922 |
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8.00 |
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238,652 |
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10.00 |
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Common equity tier 1 (to risk-weighted assets) |
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Company Consolidated |
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345,158 |
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14.45 |
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107,487 |
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4.50 |
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155,259 |
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6.50 |
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Bank |
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344,796 |
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14.45 |
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107,393 |
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4.50 |
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155,124 |
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6.50 |
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Tier 1 capital (to risk-weighted assets) |
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Company Consolidated |
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355,158 |
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14.87 |
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143,316 |
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6.00 |
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191,088 |
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8.00 |
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Bank |
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344,796 |
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14.45 |
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143,191 |
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6.00 |
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190,922 |
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8.00 |
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Tier 1 capital (to average total assets) |
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Company Consolidated |
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355,158 |
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12.72 |
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111,698 |
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4.00 |
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139,622 |
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5.00 |
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Bank |
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344,796 |
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12.39 |
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111,305 |
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4.00 |
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139,131 |
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5.00 |
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*Prompt Corrective Action requirements only apply to the Bank.
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