| Schedule of regulatory capital amounts and ratios |
The Bank’s actual capital amounts and ratios as of June 30, 2026 and December 31, 2025 are also presented in the table below (dollar amounts in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Required to Be Well- | | | | | | | | | Required for | | Capitalized Under | | | | | | | | | Capital Adequacy | | Prompt Corrective | | | | Actual | | Purposes | | Action Provisions | | | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | June 30, 2026 | | | | | | | | | | | | | | | | | Tier 1 Capital to Average Assets | | $ | 115,902 | | 21.41 | % | $ | 21,676 | | 4.00 | % | $ | 27,095 | | 5.00 | % | Common Equity Tier 1 Capital to Risk-Weighted Assets | | | 115,902 | | 38.90 | | | 13,407 | | 4.50 | | | 19,366 | | 6.50 | | Tier 1 Capital to Risk-Weighted Assets | | | 115,902 | | 38.90 | | | 17,877 | | 6.00 | | | 23,835 | | 8.00 | | Total Capital to Risk-Weighted Assets | | | 117,626 | | 39.48 | | | 23,835 | | 8.00 | | | 29,794 | | 10.00 | | | | | | | | | | | | | | | | | | | December 31, 2025 | | | | | | | | | | | | | | | | | Tier 1 Capital to Average Assets | | $ | 115,012 | | 21.07 | % | $ | 21,838 | | 4.00 | % | $ | 27,298 | | 5.00 | % | Common Equity Tier 1 Capital to Risk-Weighted Assets | | | 115,012 | | 41.17 | | | 12,572 | | 4.50 | | | 18,159 | | 6.50 | | Tier 1 Capital to Risk-Weighted Assets | | | 115,012 | | 41.17 | | | 16,762 | | 6.00 | | | 22,349 | | 8.00 | | Total Capital to Risk-Weighted Assets | | | 116,736 | | 41.79 | | | 22,349 | | 8.00 | | | 27,937 | | 10.00 | |
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