Regulatory Capital Requirements (Tables)

The following tables present the capital amounts and ratios for the Company and the Bank as of June 30, 2026 and December 31, 2025.


	June 30, 2026
	Amount			Regulatory Minimum Ratio + Capital Conservation Buffer			To Be Well-Capitalized Under PCA Regulation(1)
($ in thousands)
Company Amounts
Common Equity Tier 1 Capital	$	541,577		$	341,783		N/A
Tier 1 Capital	571,904			415,023			N/A
Total Capital	691,720			512,675			N/A
Leverage Exposure	6,007,717			240,309			N/A
Risk-Weighted Assets	4,882,618			N/A			N/A

Company Ratios
Common Equity Tier 1 Capital to Risk-Weighted Assets (“RWA”)	11.09		%	7.00		%	N/A
Tier 1 Capital to RWA	11.71			8.50			N/A
Total Capital to RWA	14.17			10.50			N/A
Tier 1 Capital to AA (Leverage)(2)	9.52			4.00			N/A

Bank Amounts
Common Equity Tier 1 Capital	$	600,541		$	341,547		$	317,151
Tier 1 Capital	600,541			414,736			390,340
Total Capital	661,531			512,321			487,925
Leverage Exposure	6,002,596			240,104			300,130
Risk-Weighted Assets	4,879,247			N/A			N/A

Bank Ratios
Common Equity Tier 1 Capital to RWA	12.31		%	7.00		%	6.50		%
Tier 1 Capital to RWA	12.31			8.50			8.00
Total Capital to RWA	13.56			10.50			10.00
Tier 1 Capital to AA (Leverage)(2)	10.00			4.00			5.00

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(1)Applies to the Bank only.

(2)Tier 1 Capital to Average Assets (Leverage) has no capital conservation buffer defined. The PCA well-capitalized threshold is defined as 5.00%.


	December 31, 2025
	Amount			Regulatory Minimum Ratio + Capital Conservation Buffer			To Be Well-Capitalized Under PCA Regulation(1)
($ in thousands)
Company Amounts
Common Equity Tier 1 Capital	$	510,729		$	339,680		N/A
Tier 1 Capital	540,897			412,469			N/A
Total Capital	660,451			509,520			N/A
Leverage Exposure	6,129,306			245,172			N/A
Risk-Weighted Assets	4,852,573			N/A			N/A

Company Ratios
Common Equity Tier 1 Capital to RWA	10.52		%	7.00		%	N/A
Tier 1 Capital to RWA	11.15			8.50			N/A
Total Capital to RWA	13.61			10.50			N/A
Tier 1 Capital to AA (Leverage)(2)	8.82			4.00			N/A

Bank Amounts
Common Equity Tier 1 Capital	$	569,183		$	339,125		$	314,902
Tier 1 Capital	569,183			411,794			387,571
Total Capital	629,746			508,687			484,464
Leverage Exposure	6,122,775			244,911			306,139
Risk-Weighted Assets	4,844,639			N/A			N/A

Bank Ratios
Common Equity Tier 1 Capital to RWA	11.75		%	7.00		%	6.50		%
Tier 1 Capital to RWA	11.75			8.50			8.00
Total Capital to RWA	13.00			10.50			10.00
Tier 1 Capital to AA (Leverage)(2)	9.30			4.00			5.00

_________________________________

(1)Applies to the Bank only.

(2)Tier 1 Capital to Average Assets (Leverage) has no capital conservation buffer defined. The PCA well-capitalized threshold is defined as 5.00%.