| Capital Ratios and Regulatory Minimum Requirements |
The Company and the Bank’s actual capital amounts and ratios are presented as follows:
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Capital levels |
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Actual |
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Adequately capitalized |
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Well capitalized |
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At June 30, 2026 |
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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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Total risk-based capital (to risk-weighted assets): |
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The Company |
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$ |
271,546 |
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14.30 |
% |
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$ |
151,933 |
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8.00 |
% |
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$ |
189,916 |
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10.00 |
% |
Bank |
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249,126 |
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13.13 |
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151,769 |
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8.00 |
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189,711 |
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10.00 |
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Tier 1 capital (to risk-weighted assets): |
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The Company |
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$ |
209,705 |
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11.04 |
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113,949 |
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6.00 |
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113,949 |
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6.00 |
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Bank |
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236,135 |
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12.45 |
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113,826 |
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6.00 |
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151,769 |
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8.00 |
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Common equity tier 1 capital (to risk-weighted
assets): |
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The Company |
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209,705 |
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11.04 |
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85,462 |
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4.50 |
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N/A |
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N/A |
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Bank |
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236,135 |
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12.45 |
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85,370 |
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4.50 |
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123,312 |
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6.50 |
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Tier 1 capital (to average assets): |
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The Company |
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209,705 |
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8.65 |
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96,955 |
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4.00 |
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N/A |
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N/A |
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Bank |
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236,135 |
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9.84 |
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95,972 |
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4.00 |
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119,965 |
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5.00 |
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Capital levels |
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Actual |
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Adequately capitalized |
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Well capitalized |
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At December 31, 2025 |
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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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Total risk-based capital (to risk-weighted assets): |
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The Company |
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$ |
225,324 |
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15.86 |
% |
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$ |
113,675 |
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8.00 |
% |
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$ |
142,093 |
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|
10.00 |
% |
Bank |
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|
201,024 |
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14.15 |
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|
113,623 |
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8.00 |
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142,029 |
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10.00 |
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Tier 1 capital (to risk-weighted assets): |
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The Company |
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$ |
176,033 |
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12.39 |
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85,256 |
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6.00 |
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85,256 |
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6.00 |
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Bank |
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191,733 |
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13.50 |
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|
85,217 |
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6.00 |
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113,623 |
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8.00 |
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Common equity tier 1 capital (to risk-weighted
assets): |
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The Company |
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$ |
176,033 |
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12.39 |
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|
63,942 |
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4.50 |
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N/A |
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N/A |
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Bank |
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191,733 |
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13.50 |
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|
63,913 |
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4.50 |
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92,319 |
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6.50 |
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Tier 1 capital (to average assets): |
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The Company |
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$ |
176,033 |
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9.02 |
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|
78,045 |
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4.00 |
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N/A |
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N/A |
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Bank |
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191,733 |
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9.94 |
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|
77,131 |
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4.00 |
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|
96,414 |
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5.00 |
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