| Summary of Actual and Required Capital Ratios of Bank |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | Required for Capital Adequacy Purposes | | Required to be
Considered Well
Capitalized | | As of June 30, 2026: | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | (dollars in thousands) | | Total Capital (to Risk Weighted Assets): | | | | | | | | | | | | | Consolidated | $ | 1,283,711 | | | 14.99 | % | | $ | 899,458 | | | 10.50 | % | | N/A | | N/A | | Tri Counties Bank | $ | 1,279,898 | | | 14.94 | % | | $ | 899,318 | | | 10.50 | % | | $ | 856,493 | | | 10.00 | % | | Tier 1 Capital (to Risk Weighted Assets): | | | | | | | | | | | | | Consolidated | $ | 1,176,231 | | | 13.73 | % | | $ | 728,132 | | | 8.50 | % | | N/A | | N/A | | Tri Counties Bank | $ | 1,172,450 | | | 13.69 | % | | $ | 728,019 | | | 8.50 | % | | $ | 685,194 | | | 8.00 | % | | Common equity Tier 1 Capital (to Risk Weighted Assets): | | | | | | | | | | | | Consolidated | $ | 1,136,231 | | | 13.26 | % | | $ | 599,638 | | | 7.00 | % | | N/A | | N/A | | Tri Counties Bank | $ | 1,172,450 | | | 13.69 | % | | $ | 599,545 | | | 7.00 | % | | $ | 556,720 | | | 6.50 | % | | Tier 1 Capital (to Average Assets): | | | | | | | | | | | | | Consolidated | $ | 1,176,231 | | | 12.04 | % | | $ | 390,775 | | | 4.00 | % | | N/A | | N/A | | Tri Counties Bank | $ | 1,172,450 | | | 12.00 | % | | $ | 390,751 | | | 4.00 | % | | $ | 488,438 | | | 5.00 | % |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | | | Required for Capital Adequacy Purposes | | Required to be
Considered Well
Capitalized | | As of December 31, 2025: | Amount | | Ratio | | | | | | Amount | | Ratio | | Amount | | Ratio | | (dollars in thousands) | | Total Capital (to Risk Weighted Assets): | | | | | | | | | | | | | | | | | Consolidated | $ | 1,256,506 | | | 15.05 | % | | | | | | $ | 876,852 | | | 10.50 | % | | N/A | | N/A | | Tri Counties Bank | $ | 1,250,620 | | | 14.98 | % | | | | | | $ | 876,708 | | | 10.50 | % | | $ | 834,960 | | | 10.00 | % | | Tier 1 Capital (to Risk Weighted Assets): | | | | | | | | | | | | | | | | | Consolidated | $ | 1,151,744 | | | 13.79 | % | | | | | | $ | 709,832 | | | 8.50 | % | | N/A | | N/A | | Tri Counties Bank | $ | 1,145,890 | | | 13.72 | % | | | | | | $ | 709,716 | | | 8.50 | % | | $ | 667,968 | | | 8.00 | % | | Common equity Tier 1 Capital (to Risk Weighted Assets): | | | | | | | | | | | | | | | | Consolidated | $ | 1,111,744 | | | 13.31 | % | | | | | | $ | 584,568 | | | 7.00 | % | | N/A | | N/A | | Tri Counties Bank | $ | 1,145,890 | | | 13.72 | % | | | | | | $ | 584,472 | | | 7.00 | % | | $ | 542,724 | | | 6.50 | % | | Tier 1 Capital (to Average Assets): | | | | | | | | | | | | | | | | | Consolidated | $ | 1,151,744 | | | 11.84 | % | | | | | | $ | 389,131 | | | 4.00 | % | | N/A | | N/A | | Tri Counties Bank | $ | 1,145,890 | | | 11.78 | % | | | | | | $ | 388,982 | | | 4.00 | % | | $ | 486,227 | | | 5.00 | % |
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