| Summary of company and the Bank's capital amounts and ratios |
The following tables present the capital amounts and ratios for the Company, on a consolidated basis, and the Bank as of September 30, 2026 and December 31, 2025: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Minimum Required | | For Capital Adequacy | | To be Well Capitalized | | | | | | | | | For Capital Adequacy | | Purposes Plus Capital | | Under Prompt Corrective | | | | Actual | | Purposes | | Conservation Buffer | | Action Regulations | | (dollars in thousands) | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | September 30, 2026 | | | | | | | | | | | | | | | | | | | | | | Company (Consolidated): | | | | | | | | | | | | | | | | | | | | | | Total Risk-based Capital | | $ | 713,634 | | 14.24 | % | $ | 400,924 | | 8.00 | % | $ | 526,213 | | 10.50 | % | | N/A | | N/A | | Tier 1 Risk-based Capital | | | 549,002 | | 10.95 | | | 300,693 | | 6.00 | | | 425,982 | | 8.50 | | | N/A | | N/A | | Common Equity Tier 1 Capital | | | 482,488 | | 9.63 | | | 225,520 | | 4.50 | | | 350,809 | | 7.00 | | | N/A | | N/A | | Tier 1 Leverage Ratio | | | 549,002 | | 9.94 | | | 221,000 | | 4.00 | | | 221,000 | | 4.00 | | | N/A | | N/A | | Bank: | | | | | | | | | | | | | | | | | | | | | | Total Risk-based Capital | | $ | 696,308 | | 13.92 | % | $ | 400,135 | | 8.00 | % | $ | 525,178 | | 10.50 | % | $ | 500,169 | | 10.00 | % | Tier 1 Risk-based Capital | | | 634,629 | | 12.69 | | | 300,101 | | 6.00 | | | 425,144 | | 8.50 | | | 400,135 | | 8.00 | | Common Equity Tier 1 Capital | | | 634,629 | | 12.69 | | | 225,076 | | 4.50 | | | 350,118 | | 7.00 | | | 325,110 | | 6.50 | | Tier 1 Leverage Ratio | | | 634,629 | | 11.51 | | | 220,568 | | 4.00 | | | 220,568 | | 4.00 | | | 275,710 | | 5.00 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | Minimum Required | | For Capital Adequacy | | To be Well Capitalized | | | | | | | | | For Capital Adequacy | | Purposes Plus Capital | | Under Prompt Corrective | | | | Actual | | Purposes | | Conservation Buffer | | Action Regulations | | (dollars in thousands) | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | December 31, 2025 | | | | | | | | | | | | | | | | | | | | | | Company (Consolidated): | | | | | | | | | | | | | | | | | | | | | | Total Risk-based Capital | | $ | 667,814 | | 14.12 | % | $ | 378,356 | | 8.00 | % | $ | 496,593 | | 10.50 | % | | N/A | | N/A | | Tier 1 Risk-based Capital | | | 500,002 | | 10.57 | | | 283,767 | | 6.00 | | | 402,004 | | 8.50 | | | N/A | | N/A | | Common Equity Tier 1 Capital | | | 433,488 | | 9.17 | | | 212,825 | | 4.50 | | | 331,062 | | 7.00 | | | N/A | | N/A | | Tier 1 Leverage Ratio | | | 500,002 | | 9.20 | | | 217,505 | | 4.00 | | | 217,505 | | 4.00 | | | N/A | | N/A | | Bank: | | | | | | | | | | | | | | | | | | | | | | Total Risk-based Capital | | $ | 636,973 | | 13.49 | % | $ | 377,687 | | 8.00 | % | $ | 495,715 | | 10.50 | % | $ | 472,109 | | 10.00 | % | Tier 1 Risk-based Capital | | | 577,942 | | 12.24 | | | 283,266 | | 6.00 | | | 401,293 | | 8.50 | | | 377,687 | | 8.00 | | Common Equity Tier 1 Capital | | | 577,942 | | 12.24 | | | 212,449 | | 4.50 | | | 330,477 | | 7.00 | | | 306,871 | | 6.50 | | Tier 1 Leverage Ratio | | | 577,942 | | 10.65 | | | 217,116 | | 4.00 | | | 217,116 | | 4.00 | | | 271,395 | | 5.00 | |
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