| Schedule of Actual 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 also presented in the following table.
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Actual |
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Minimum Capital
Requirements |
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Minimum To Be Well
Capitalized Under Prompt
Corrective Action Provisions |
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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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Total capital to risk-weighted assets: |
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Consolidated |
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$ |
288,496 |
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13.1 |
% |
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$ |
175,804 |
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8.0 |
% |
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N/A |
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N/A |
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Bank |
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262,119 |
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12.0 |
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174,454 |
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8.0 |
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$ |
218,068 |
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10.0 |
% |
Common equity tier 1 capital to risk-weighted assets: |
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Consolidated |
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166,252 |
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7.6 |
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98,890 |
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4.5 |
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N/A |
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N/A |
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Bank |
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234,850 |
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10.8 |
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98,130 |
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4.5 |
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141,744 |
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6.5 |
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Tier 1 capital to risk-weighted assets: |
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Consolidated |
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166,252 |
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7.6 |
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131,853 |
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6.0 |
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N/A |
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N/A |
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Bank |
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234,850 |
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10.8 |
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130,841 |
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6.0 |
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174,454 |
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8.0 |
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Tier 1 capital to average assets: |
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Consolidated |
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166,252 |
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5.8 |
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113,772 |
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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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234,840 |
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8.3 |
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113,292 |
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4.0 |
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141,614 |
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5.0 |
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December 31, 2025: |
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Total capital to risk-weighted assets: |
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Consolidated |
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$ |
281,648 |
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12.8 |
% |
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$ |
176,132 |
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8.0 |
% |
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N/A |
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N/A |
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Bank |
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258,704 |
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11.8 |
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174,937 |
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8.0 |
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$ |
218,671 |
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10.0 |
% |
Common equity tier 1 capital to risk-weighted assets: |
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Consolidated |
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159,520 |
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7.2 |
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99,074 |
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4.5 |
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N/A |
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N/A |
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Bank |
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231,544 |
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10.6 |
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98,402 |
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4.5 |
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142,136 |
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6.5 |
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Tier 1 capital to risk-weighted assets: |
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Consolidated |
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159,520 |
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7.2 |
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132,099 |
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6.0 |
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N/A |
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N/A |
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Bank |
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231,544 |
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10.6 |
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131,203 |
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6.0 |
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174,937 |
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8.0 |
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Tier 1 capital to average assets: |
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Consolidated |
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159,520 |
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5.6 |
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114,411 |
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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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231,544 |
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8.1 |
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114,000 |
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4.0 |
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142,500 |
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5.0 |
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