| Schedule of Bank’s Actual Capital Amounts and Ratios |
The Bank’s actual capital amounts and ratios
as of June 30, 2026 and December 31, 2025 are presented in the tables below (dollars in thousands).
| | |
Actual | | |
Minimum for capital
adequacy purposes | | |
Minimum to be well capitalized
under prompt corrective
action provisions | |
| | |
Amount | | |
Ratio | | |
Amount | | |
Ratio | | |
Amount | | |
Ratio | |
| As of June 30, 2026: | |
| | |
| | |
| | |
| | |
| | |
| |
| Total capital (to risk-weighted assets) | |
$ | 278,850 | | |
| 14.0 | % | |
$ | 159,719 | | |
| 8.0 | % | |
$ | 199,649 | | |
| 10.0 | % |
| | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| Tier I capital (to risk-weighted assets) | |
$ | 260,015 | | |
| 13.0 | % | |
$ | 119,789 | | |
| 6.0 | % | |
$ | 159,719 | | |
| 8.0 | % |
| | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| Common equity Tier 1 capital (to risk-weighted assets) | |
$ | 260,015 | | |
| 13.0 | % | |
$ | 89,842 | | |
| 4.5 | % | |
$ | 129,772 | | |
| 6.5 | % |
| | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| Tier 1 capital (to average assets) | |
$ | 260,015 | | |
| 11.6 | % | |
$ | 89,788 | | |
| 4.0 | % | |
$ | 112,235 | | |
| 5.0 | % |
| | |
Actual | | |
Minimum for capital
adequacy purposes | | |
Minimum to be well capitalized
under prompt corrective
action provisions | |
| | |
Amount | | |
Ratio | | |
Amount | | |
Ratio | | |
Amount | | |
Ratio | |
| As of December 31, 2025: | |
| | |
| | |
| | |
| | |
| | |
| |
| Total capital (to risk-weighted assets) | |
$ | 255,727 | | |
| 13.5 | % | |
$ | 151,732 | | |
| 8.0 | % | |
$ | 189,665 | | |
| 10.0 | % |
| | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| Tier I capital (to risk-weighted assets) | |
$ | 237,827 | | |
| 12.5 | % | |
$ | 113,799 | | |
| 6.0 | % | |
$ | 151,732 | | |
| 8.0 | % |
| | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| Common equity Tier 1 capital (to risk-weighted assets) | |
$ | 237,827 | | |
| 12.5 | % | |
$ | 85,349 | | |
| 4.5 | % | |
$ | 123,282 | | |
| 6.5 | % |
| | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| Tier 1 capital (to average assets) | |
$ | 237,827 | | |
| 10.8 | % | |
$ | 88,218 | | |
| 4.0 | % | |
$ | 110,272 | | |
| 5.0 | % |
|