| Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations |
The Bank’s actual and required minimum capital amounts and ratios at the dates indicated are as follows (dollars in thousands): | | | | | | | | | | | | | | | | | | | | | | | | Regulatory Requirements | | | | | | | | | Minimum for Capital | | Minimum to Be | | | | Actual | | Adequacy Purposes(1) | | Well Capitalized | | (Dollars in Thousands) | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | | | | | | | | | | | | | | | | | | Provident Savings Bank, F.S.B.: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | As of June 30, 2026 | | | | | | | | | | | | | | | | | Tier 1 leverage capital (to adjusted average assets) | | $ | 122,754 | | 10.30 | % | $ | 47,691 | | 4.00 | % | $ | 59,614 | | 5.00 | % | CET1 capital (to risk-weighted assets) | | $ | 122,754 | | 19.41 | % | $ | 44,274 | | 7.00 | % | $ | 41,112 | | 6.50 | % | Tier 1 capital (to risk-weighted assets) | | $ | 122,754 | | 19.41 | % | $ | 53,762 | | 8.50 | % | $ | 50,599 | | 8.00 | % | Total capital (to risk-weighted assets) | | $ | 128,657 | | 20.34 | % | $ | 66,412 | | 10.50 | % | $ | 63,249 | | 10.00 | % | | | | | | | | | | | | | | | | | | As of June 30, 2025 | | | | | | | | | | | | | | | | | Tier 1 leverage capital (to adjusted average assets) | | $ | 125,198 | | 10.11 | % | $ | 49,536 | | 4.00 | % | $ | 61,921 | | 5.00 | % | CET1 capital (to risk-weighted assets) | | $ | 125,198 | | 19.50 | % | $ | 44,941 | | 7.00 | % | $ | 41,731 | | 6.50 | % | Tier 1 capital (to risk-weighted assets) | | $ | 125,198 | | 19.50 | % | $ | 54,571 | | 8.50 | % | $ | 51,361 | | 8.00 | % | Total capital (to risk-weighted assets) | | $ | 131,654 | | 20.51 | % | $ | 67,411 | | 10.50 | % | $ | 64,201 | | 10.00 | % |
| (1) | Inclusive of the conservation buffer of 2.50% for CET1 capital, Tier 1 capital and Total capital ratios. |
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