| Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations |
Capital levels required to be considered well-capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules.
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Minimum
Capital |
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Minimum
Capital Required to be Well |
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Minimum Capital
Required For Capital
Adequacy Plus
Capital Conservation
Buffer |
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Actual |
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Requirement |
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Capitalized |
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Fully Phased-In |
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(Dollars in thousands) |
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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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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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$ |
55,683 |
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15.96 |
% |
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$ |
27,919 |
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8.00 |
% |
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$ |
34,899 |
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10.00 |
% |
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$ |
36,643 |
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10.50 |
% |
Tier 1 Capital (to risk-weighted assets) |
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52,010 |
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14.90 |
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20,939 |
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6.00 |
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27,919 |
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8.00 |
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29,664 |
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8.50 |
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Tier 1 Capital (to average assets) |
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52,010 |
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8.92 |
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23,322 |
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4.00 |
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29,153 |
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5.00 |
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23,322 |
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4.00 |
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Common Equity Tier 1 (to risk-weighted assets) |
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52,010 |
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14.90 |
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15,704 |
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4.50 |
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22,684 |
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6.50 |
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24,429 |
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7.00 |
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Minimum
Capital |
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Minimum
Capital Required to be Well |
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Minimum Capital
Required For Capital
Adequacy Plus Capital
Conservation Buffer |
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Actual |
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Requirement |
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Capitalized |
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Fully Phased-In |
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(Dollars in thousands) |
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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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Amount |
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Ratio |
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December 31, 2025 |
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Total Capital (to risk-weighted assets) |
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$ |
55,405 |
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15.60 |
% |
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$ |
28,420 |
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8.00 |
% |
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$ |
35,526 |
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10.00 |
% |
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$ |
37,302 |
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10.50 |
% |
Tier 1 Capital (to risk-weighted assets) |
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51,719 |
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14.56 |
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21,315 |
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6.00 |
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28,420 |
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8.00 |
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30,197 |
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8.50 |
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Tier 1 Capital (to average assets) |
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51,719 |
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8.41 |
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24,605 |
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4.00 |
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30,756 |
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5.00 |
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24,605 |
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4.00 |
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Common Equity Tier 1 (to risk-weighted assets) |
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51,719 |
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14.56 |
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15,987 |
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4.50 |
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23,092 |
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6.50 |
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24,868 |
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7.00 |
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