| Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations |
The following tables summarize both the Corporation’s and the Bank’s capital ratios and the ratios required by their federal regulators:
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As of September 30, 2026 |
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Actual |
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Minimum Required
for Capital
Adequacy Purposes |
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For Capital
Adequacy Purposes
Plus Capital
Conservation Buffer |
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Minimum Required
to Be Well
Capitalized Under
Prompt Corrective
Action Requirements |
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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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Amount |
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Ratio |
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(Dollars in Thousands) |
Total capital
(to risk-weighted assets) |
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Consolidated |
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$499,178 |
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12.25% |
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$326,114 |
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8.00% |
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$428,025 |
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10.50% |
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N/A |
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N/A |
First Business Bank |
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495,485 |
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12.15 |
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326,122 |
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8.00 |
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428,035 |
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10.50 |
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$407,652 |
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10.00% |
Tier 1 capital
(to risk-weighted assets) |
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Consolidated |
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$405,434 |
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9.95% |
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$244,586 |
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6.00% |
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$346,497 |
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8.50% |
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N/A |
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N/A |
First Business Bank |
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456,636 |
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11.20 |
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244,591 |
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6.00 |
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346,504 |
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8.50 |
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$326,122 |
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8.00% |
Common equity tier 1 capital
(to risk-weighted assets) |
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Consolidated |
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$393,442 |
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9.65% |
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$183,439 |
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4.50% |
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$285,350 |
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7.00% |
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N/A |
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N/A |
First Business Bank |
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456,636 |
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11.20 |
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183,444 |
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4.50 |
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285,357 |
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7.00 |
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$264,974 |
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6.50% |
Tier 1 leverage capital
(to adjusted assets) |
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Consolidated |
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$405,434 |
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9.22% |
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$175,886 |
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4.00% |
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$175,886 |
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4.00% |
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N/A |
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N/A |
First Business Bank |
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456,636 |
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10.40 |
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175,630 |
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4.00 |
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175,630 |
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4.00 |
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$219,537 |
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5.00% |
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As of December 31, 2025 |
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Actual (1) |
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Minimum Required
for Capital
Adequacy Purposes |
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For Capital
Adequacy Purposes
Plus Capital
Conservation Buffer |
|
Minimum Required
to Be Well
Capitalized Under
Prompt Corrective
Action Requirements |
|
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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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Amount |
|
Ratio |
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(Dollars in Thousands) |
Total capital
(to risk-weighted assets) |
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Consolidated |
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$463,447 |
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12.24% |
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$302,917 |
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8.00% |
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$397,578 |
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10.50% |
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N/A |
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N/A |
First Business Bank |
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460,423 |
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12.16 |
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302,929 |
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8.00 |
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397,594 |
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10.50 |
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$378,661 |
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10.00% |
Tier 1 capital
(to risk-weighted assets) |
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Consolidated |
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$370,786 |
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9.79% |
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$227,188 |
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6.00% |
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$321,849 |
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8.50% |
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N/A |
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N/A |
First Business Bank |
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422,567 |
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11.16 |
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227,197 |
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6.00 |
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321,862 |
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8.50 |
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$302,929 |
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8.00% |
Common equity tier 1 capital
(to risk-weighted assets) |
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Consolidated |
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$358,794 |
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9.48% |
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$170,391 |
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4.50% |
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$265,052 |
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7.00% |
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N/A |
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N/A |
First Business Bank |
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422,567 |
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11.16 |
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170,398 |
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4.50 |
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265,063 |
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7.00 |
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$246,130 |
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6.50% |
Tier 1 leverage capital
(to adjusted assets) |
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Consolidated |
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$370,786 |
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8.86% |
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$167,376 |
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4.00% |
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$167,376 |
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4.00% |
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N/A |
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N/A |
First Business Bank |
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422,567 |
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10.11 |
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167,237 |
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4.00 |
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167,237 |
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4.00 |
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$209,046 |
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5.00% |
(1)2025 capital amounts include $338,000 of additional stockholders’ equity as elected by the Corporation and permitted by federal banking regulatory agencies related to the adoption of ASC 326. Risk-weighted assets were also adjusted accordingly.
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