| Schedule of Compliance with Regulatory Capital Requirements |
In addition, the following table shows that, at December 31, 2025 and December 31, 2024, the Bank’s capital exceeded all applicable regulatory capital requirements as set forth in 12 C.F.R. § 324.
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| (Dollars in thousands) |
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Actual |
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Minimum Required For
Capital Adequacy Purposes |
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Minimum Required To Be
Well Capitalized Under Prompt
Corrective Action Regulations |
| December 31, 2025 |
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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 |
| Common equity tier 1 capital to risk-weighted assets |
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$ |
186,214 |
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11.86 |
% |
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$ |
70,626 |
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4.50 |
% |
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$ |
102,016 |
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|
6.50 |
% |
| Tier 1 capital to risk-weighted assets |
|
$ |
186,214 |
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11.86 |
% |
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$ |
94,168 |
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6.00 |
% |
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$ |
125,558 |
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|
8.00 |
% |
| Total capital to risk-weighted assets |
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$ |
205,472 |
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13.09 |
% |
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$ |
125,558 |
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8.00 |
% |
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$ |
156,947 |
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10.00 |
% |
| Tier 1 leverage ratio |
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$ |
186,214 |
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8.93 |
% |
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$ |
83,379 |
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4.00 |
% |
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$ |
104,223 |
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5.00 |
% |
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| (Dollars in thousands) |
|
Actual |
|
Minimum Required For
Capital Adequacy Purposes |
|
Minimum Required To Be
Well Capitalized Under Prompt
Corrective Action Regulations |
| December 31, 2024 |
|
Amount |
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Ratio |
|
Amount |
|
Ratio |
|
Amount |
|
Ratio |
| Common equity tier 1 capital to risk-weighted assets |
|
$ |
179,625 |
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|
11.26 |
% |
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$ |
71,771 |
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4.50 |
% |
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$ |
103,670 |
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|
6.50 |
% |
| Tier 1 capital to risk-weighted assets |
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$ |
179,625 |
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11.26 |
% |
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$ |
95,695 |
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|
6.00 |
% |
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$ |
127,594 |
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|
8.00 |
% |
| Total capital to risk-weighted assets |
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$ |
194,499 |
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12.19 |
% |
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$ |
127,594 |
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|
8.00 |
% |
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$ |
159,492 |
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|
10.00 |
% |
| Tier 1 leverage ratio |
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$ |
179,625 |
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8.47 |
% |
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$ |
84,854 |
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4.00 |
% |
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$ |
106,068 |
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|
5.00 |
% |
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