REGULATORY CAPITAL REQUIREMENTS (Tables)

9 Months Ended

Jun. 30, 2026

REGULATORY CAPITAL REQUIREMENTS

Schedule of actual and required capital amounts and ratios


												Minimum to be Well
												Capitalized Under Prompt
							Minimum Capital					Corrective Action
		Actual					Requirement					Provisions
		Amount ($)			Ratio (%)		Amount ($)			Ratio (%)		Amount ($)			Ratio (%)

		(In Thousands)
As of June 30, 2026 (unaudited)
Total Capital (to Risk-Weighted Assets)		$	29,534		25.7	≥	$	9,180	≥	8.0	≥	$	11,475	≥	10.0
Tier 1 Capital (to Risk-Weighted Assets)			28,384		24.7	≥		6,885	≥	6.0	≥		9,180	≥	8.0
Tier 1 Common Equity (to Risk-Weighted Assets)			28,384		24.7	≥		5,164	≥	4.5	≥		7,459	≥	6.5
Tier 1 Leverage Ratio (to Adjusted Total Assets)			28,384		14.5	≥		7,814	≥	4.0	≥		9,767	≥	5.0
Capital Conservation Buffer on Tier 1 Common Equity			29,534		17.7	≥		8,033	≥	7.0	≥		N/A	≥	N/A

As of September 30, 2025
Total Capital (to Risk-Weighted Assets)		$	28,255		25.2	≥	$	8,976	≥	8.0	≥	$	11,221	≥	10.0
Tier 1 Capital (to Risk-Weighted Assets)			27,133		24.2	≥		6,732	≥	6.0	≥		8,976	≥	8.0
Tier 1 Common Equity (to Risk-Weighted Assets)			27,133		24.2	≥		5,049	≥	4.5	≥		7,293	≥	6.5
Tier 1 Leverage Ratio (to Adjusted Total Assets)			27,133		13.9	≥		7,798	≥	4.0	≥		9,747	≥	5.0
Capital Conservation Buffer on Tier 1 Common Equity			28,255		17.2	≥		7,854	≥	7.0	≥		N/A	≥	N/A

Muni Bank

REGULATORY CAPITAL REQUIREMENTS

Schedule of actual and required capital amounts and ratios


												Minimum to be Well
												Capitalized Under Prompt
							Minimum Capital					Corrective Action
		Actual					Requirement					Provisions
		Amount ($)			Ratio (%)		Amount ($)			Ratio (%)		Amount ($)			Ratio (%)

		(In Thousands)
As of June 30, 2026 (unaudited)
Total Capital (to Risk-Weighted Assets)		$	15,088		92.8	≥	$	1,301	≥	8.0	≥	$	1,626	≥	10.0
Tier 1 Capital (to Risk-Weighted Assets)			15,088		92.8	≥		975	≥	6.0	≥		1,301	≥	8.0
Tier 1 Common Equity (to Risk-Weighted Assets)			15,088		92.8	≥		732	≥	4.5	≥		1,057	≥	6.5
Tier 1 Leverage Ratio (to Adjusted Total Assets)			15,088		44.5	≥		1,357	≥	4.0	≥		1,696	≥	5.0
Capital Conservation Buffer on Tier 1 Common Equity			15,088		84.8	≥		1,138	≥	7.0	≥		N/A	≥	N/A

As of September 30, 2025
Total Capital (to Risk-Weighted Assets)		$	14,571		93.9	≥	$	1,242	≥	8.0	≥	$	1,552	≥	10.0
Tier 1 Capital (to Risk-Weighted Assets)			14,571		93.9	≥		931	≥	6.0	≥		1,242	≥	8.0
Tier 1 Common Equity (to Risk-Weighted Assets)			14,571		93.9	≥		699	≥	4.5	≥		1,009	≥	6.5
Tier 1 Leverage Ratio (to Adjusted Total Assets)			14,571		40.0	≥		1,458	≥	4.0	≥		1,822	≥	5.0
Capital Conservation Buffer on Tier 1 Common Equity			14,571		85.9	≥		1,087	≥	7.0	≥		N/A	≥	N/A