| Actual Capital Ratios for the Bank |
| | Actual | | | Minimum Capital Requirement | | | Minimum to be Well Capitalized Under Prompt Corrective Action Provisions | | June 30, 2026 | | Amount | | | Ratio | | | Amount | | | Ratio | | | Amount | | | Ratio | | Total risk-based ratio | | $ | 137,308 | | | | 14.43 | % | | $ | 76,119 | | | | 8.00 | % | | $ | 95,149 | | | | 10.00 | % | Tier 1 risk-based ratio | | | 128,474 | | | | 13.50 | % | | | 57,089 | | | | 6.00 | % | | | 76,119 | | | | 8.00 | % | Common equity tier 1 | | | 128,474 | | | | 13.50 | % | | | 42,817 | | | | 4.50 | % | | | 61,847 | | | | 6.50 | % | Tier 1 leverage ratio | | | 128,474 | | | | 9.10 | % | | | 56,486 | | | | 4.00 | % | | | 70,607 | | | | 5.00 | % |
| | Actual | | | Minimum Capital Requirement | | | Minimum to be Well Capitalized Under Prompt Corrective Action Provisions | | December 31, 2025 | | Amount | | | Ratio | | | Amount | | | Ratio | | | Amount | | | Ratio | | Total risk-based ratio | | $ | 130,263 | | | | 14.04 | % | | $ | 74,241 | | | | 8.00 | % | | $ | 92,801 | | | | 10.00 | % | Tier 1 risk-based ratio | | | 121,679 | | | | 13.11 | % | | | 55,680 | | | | 6.00 | % | | | 74,241 | | | | 8.00 | % | Common equity tier 1 | | | 121,679 | | | | 13.11 | % | | | 41,760 | | | | 4.50 | % | | | 60,321 | | | | 6.50 | % | Tier 1 leverage ratio | | | 121,679 | | | | 8.73 | % | | | 55,752 | | | | 4.00 | % | | | 69,690 | | | | 5.00 | % |
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