| Schedule of Capital Amounts and Ratios |
The Company’s and the Bank’s actual capital amounts and ratios as of June 30, 2026 and December 31, 2025 are presented in the following tables:
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Actual |
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Minimum Capital
Requirement |
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Minimum To Be
Well Capitalized
Under Prompt
Corrective Action
Provisions |
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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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June 30, 2026 |
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Company |
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Total Risk-Based Capital: |
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$ |
443,918 |
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20.2 |
% |
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$ |
175,828 |
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8.0 |
% |
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N/A |
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N/A |
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Common Equity Tier 1 Risk-Based
Capital |
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391,044 |
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17.8 |
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98,903 |
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4.5 |
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N/A |
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N/A |
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Tier 1 Risk-Based Capital: |
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391,044 |
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17.8 |
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131,871 |
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6.0 |
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N/A |
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N/A |
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Tier 1 Leverage Capital: |
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391,044 |
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14.2 |
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87,914 |
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4.0 |
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N/A |
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N/A |
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Bank |
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Total Risk-Based Capital: |
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$ |
365,182 |
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16.6 |
% |
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$ |
175,870 |
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8.0 |
% |
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$ |
219,838 |
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10.0 |
% |
Common Equity Tier 1 Risk-Based
Capital |
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340,186 |
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15.5 |
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98,927 |
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4.5 |
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142,895 |
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6.5 |
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Tier 1 Risk-Based Capital: |
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340,186 |
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15.5 |
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131,903 |
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6.0 |
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175,870 |
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8.0 |
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Tier 1 Leverage Capital: |
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340,186 |
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12.4 |
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87,935 |
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4.0 |
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109,919 |
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5.0 |
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Actual |
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Minimum Capital
Requirement |
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Minimum To Be
Well Capitalized
Under Prompt
Corrective Action
Provisions |
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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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December 31, 2025 |
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Company |
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Total Risk-Based Capital: |
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$ |
430,414 |
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19.7 |
% |
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$ |
175,124 |
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8.0 |
% |
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N/A |
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N/A |
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Common Equity Tier 1 Risk-Based
Capital |
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379,888 |
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17.4 |
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98,507 |
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4.5 |
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N/A |
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N/A |
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Tier 1 Risk-Based Capital: |
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379,888 |
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17.4 |
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131,343 |
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6.0 |
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N/A |
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N/A |
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Tier 1 Leverage Capital: |
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379,888 |
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13.8 |
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87,562 |
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4.0 |
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N/A |
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N/A |
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Bank |
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Total Risk-Based Capital: |
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$ |
349,158 |
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15.9 |
% |
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$ |
176,232 |
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8.0 |
% |
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$ |
220,290 |
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10.0 |
% |
Common Equity Tier 1 Risk-Based
Capital |
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326,447 |
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14.8 |
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99,130 |
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4.5 |
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143,188 |
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6.5 |
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Tier 1 Risk-Based Capital: |
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326,447 |
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14.8 |
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132,174 |
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6.0 |
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176,232 |
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8.0 |
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Tier 1 Leverage Capital: |
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326,447 |
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11.9 |
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88,116 |
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4.0 |
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110,145 |
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5.0 |
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