The following tables set forth the Company's consolidated and the Bank’s capital amounts and ratios and the related regulatory requirements as of the dates indicated:


					Amount of Capital Required

	Actual				Minimum Required for Capital Adequacy Purposes				To Be Well-Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio (1)		Amount		Ratio
As of September 30, 2026:	(dollars in thousands)
Tier 1 Leverage Ratio
Consolidated	$	498,361	11.82	%	$	168,647	4.0	%	$	210,809	5.0	%
Bank	534,830		12.71	%	168,378		4.0	%	210,473		5.0	%
Common Equity Tier 1 Risk-Based Capital Ratio
Consolidated	$	483,289	17.87	%	$	121,682	4.5	%	$	175,763	6.5	%
Bank	534,830		19.84	%	121,318		4.5	%	175,237		6.5	%
Tier 1 Risk-Based Capital Ratio
Consolidated	$	498,361	18.43	%	$	162,243	6.0	%	$	216,324	8.0	%
Bank	534,830		19.84	%	161,757		6.0	%	215,676		8.0	%
Total Risk-Based Capital Ratio
Consolidated	$	596,293	22.05	%	$	216,324	8.0	%	$	270,405	10.0	%
Bank	568,662		21.09	%	215,676		8.0	%	269,595		10.0	%


					Amount of Capital Required

	Actual				Minimum Required for Capital Adequacy Purposes				To Be Well-Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio (1)		Amount		Ratio
As of December 31, 2025:	(dollars in thousands)
Tier 1 Leverage Ratio
Consolidated	$	479,047	11.60	%	$	165,193	4.0	%	$	206,491	5.0	%
Bank	544,296		13.20	%	164,965		4.0	%	206,206		5.0	%
Common Equity Tier 1 Risk Based Capital Ratio
Consolidated	$	464,133	17.49	%	$	119,388	4.5	%	$	172,450	6.5	%
Bank	544,296		20.57	%	119,075		4.5	%	171,998		6.5	%
Tier 1 Risk-Based Capital Ratio
Consolidated	$	479,047	18.06	%	$	159,184	6.0	%	$	212,246	8.0	%
Bank	544,296		20.57	%	158,767		6.0	%	211,690		8.0	%
Total Risk-Based Capital Ratio
Consolidated	$	632,260	23.83	%	$	212,246	8.0	%	$	265,307	10.0	%
Bank	577,512		21.82	%	211,690		8.0	%	264,612		10.0	%