| Actual Capital Amounts and Ratios |
The Company and its bank subsidiary’s actual capital amounts and ratios at the dates indicated follows (dollars in thousands):
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Actual
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Minimum Required
Under BASEL III
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To Be Well Capitalized
Under Prompt Corrective
Action Provisions
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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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June 30, 2026
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Total Capital to Risk Weighted Assets:
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Consolidated
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$
|
706,237 |
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16.54 |
%
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$
|
448,427 |
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10.50 |
%
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N/A
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N/A
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City Bank
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619,057 |
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14.50 |
%
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448,169 |
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10.50 |
%
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$
|
426,794 |
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10.00 |
%
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Tier 1 Capital to Risk Weighted Assets:
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Consolidated
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647,574 |
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15.16 |
%
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|
363,012 |
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8.50 |
%
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N/A
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N/A
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City Bank
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571,674 |
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13.39 |
%
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|
362,803 |
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8.50 |
%
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|
341,435 |
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8.00 |
%
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Common Equity Tier 1 to Risk Weighted Assets:
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Consolidated
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602,574 |
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14.11 |
%
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|
298,951 |
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7.00 |
%
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N/A
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N/A
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City Bank
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571,674 |
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13.39 |
%
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298,779 |
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7.00 |
%
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|
277,416 |
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6.50 |
%
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Tier 1 Capital to Average Assets:
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Consolidated
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647,574 |
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12.21 |
%
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|
215,000 |
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4.00 |
%
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N/A
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N/A
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City Bank
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571,674 |
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10.79 |
%
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|
214,891 |
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4.00 |
%
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264,979 |
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5.00 |
%
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December 31, 2025
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Total Capital to Risk Weighted Assets:
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Consolidated
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$
|
622,485 |
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17.26 |
%
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$
|
378,645 |
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10.50 |
%
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N/A
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N/A
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City Bank
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|
537,444 |
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14.91 |
%
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|
378,576 |
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10.50 |
%
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$
|
360,549 |
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10.00 |
%
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Tier 1 Capital to Risk Weighted Assets:
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Consolidated
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566,107 |
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15.70 |
%
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|
306,522 |
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8.50 |
%
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N/A
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N/A
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City Bank
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|
492,355 |
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13.66 |
%
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|
306,466 |
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8.50 |
%
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|
288,439 |
|
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8.00 |
%
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Common Equity Tier 1 to Risk Weighted Assets:
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Consolidated
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521,107 |
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14.45 |
%
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|
252,430 |
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7.00 |
%
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N/A
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N/A
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City Bank
|
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|
492,355 |
|
|
|
13.66 |
%
|
|
|
252,384 |
|
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|
7.00 |
%
|
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|
234,357 |
|
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|
6.50 |
%
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Tier 1 Capital to Average Assets:
|
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|
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|
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|
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|
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Consolidated
|
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|
566,107 |
|
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|
12.53 |
%
|
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|
181,591 |
|
|
|
4.00 |
%
|
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N/A
|
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N/A
|
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|
City Bank
|
|
|
492,355 |
|
|
|
10.90 |
%
|
|
|
181,512 |
|
|
|
4.00 |
%
|
|
|
225,868 |
|
|
|
5.00 |
%
|
|