| 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 table below:
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Actual |
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Minimum |
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Well Capitalized |
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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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(dollars in thousands) |
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June 30, 2026 |
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Tier 1 leverage capital: |
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$ |
256,094 |
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20.32 |
% |
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$ |
50,415 |
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4.00 |
% |
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$ |
63,018 |
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5.00 |
% |
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Common Equity Tier 1 risk-based capital: |
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$ |
256,094 |
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29.16 |
% |
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$ |
39,516 |
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4.50 |
% |
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$ |
57,079 |
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6.50 |
% |
Tier 1 risk-based capital: |
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$ |
256,094 |
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29.16 |
% |
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$ |
52,688 |
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6.00 |
% |
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$ |
70,251 |
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8.00 |
% |
Total risk-based capital: |
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$ |
263,064 |
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29.96 |
% |
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$ |
70,251 |
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8.00 |
% |
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$ |
87,814 |
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10.00 |
% |
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December 31, 2025 |
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Tier 1 leverage capital: |
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$ |
255,300 |
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20.02 |
% |
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$ |
51,020 |
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4.00 |
% |
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$ |
63,775 |
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5.00 |
% |
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Common Equity Tier 1 risk-based capital: |
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$ |
255,300 |
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29.38 |
% |
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$ |
39,106 |
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4.50 |
% |
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$ |
56,486 |
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6.50 |
% |
Tier 1 risk-based capital: |
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$ |
255,300 |
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29.38 |
% |
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$ |
52,141 |
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6.00 |
% |
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$ |
69,521 |
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8.00 |
% |
Total risk-based capital: |
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$ |
261,745 |
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30.12 |
% |
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$ |
69,521 |
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8.00 |
% |
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$ |
86,901 |
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10.00 |
% |
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