| Schedule of Actual and Required Capital Amounts and Ratios, Exclusive of Capital Conservation Buffer |
The following table presents the regulatory capital amounts and ratios for the Company and the Bank as of dates indicated: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | June 30, 2026 | | | Actual (1) | | Required for
Capital Adequacy
Purposes | | Minimum
To be Considered
"Well Capitalized" | | ($ in thousands) | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | Total capital (to risk-weighted assets) | | | | | | | | | | | | | | Consolidated | | $ | 301,991 | | | 13.32 | % | | N/A | | N/A | | N/A | | N/A | | Bank | | 302,846 | | | 13.35 | | | $ | 181,523 | | | 8.00 | % | | $ | 226,903 | | | 10.00 | % | | Tier 1 capital (to risk-weighted assets) | | | | | | | | | | | | | | Consolidated | | 249,020 | | | 10.98 | | | N/A | | N/A | | N/A | | N/A | | Bank | | 274,483 | | | 12.10 | | | 136,142 | | | 6.00 | | | 181,523 | | | 8.00 | | | Common equity Tier 1 capital (to risk-weighted assets) | | | | | | | | | | | | | | Consolidated | | 249,020 | | | 10.98 | | | N/A | | N/A | | N/A | | N/A | | Bank | | 274,483 | | | 12.10 | | | 102,107 | | | 4.50 | | | 147,487 | | | 6.50 | | | Tier 1 capital (to average assets) | | | | | | | | | | | | | | Consolidated | | 249,020 | | | 9.21 | | | N/A | | N/A | | N/A | | N/A | | Bank | | 274,483 | | | 10.15 | | | 108,200 | | | 4.00 | | | 135,250 | | | 5.00 | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | December 31, 2025 | | | Actual (1) | | Required for
Capital Adequacy
Purposes | | Minimum
To be Considered
"Well Capitalized" | | ($ in thousands) | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | Total capital (to risk-weighted assets) | | | | | | | | | | | | | | Consolidated | | $ | 289,562 | | | 13.31 | % | | N/A | | N/A | | N/A | | N/A | | Bank | | 289,464 | | | 13.30 | | | $ | 174,139 | | | 8.00 | % | | $ | 217,673 | | | 10.00 | % | | Tier 1 capital (to risk-weighted assets) | | | | | | | | | | | | | | Consolidated | | 237,791 | | | 10.93 | | | N/A | | N/A | | N/A | | N/A | | Bank | | 262,255 | | | 12.05 | | | 130,604 | | | 6.00 | | | 174,139 | | | 8.00 | | | Common equity Tier 1 capital (to risk-weighted assets) | | | | | | | | | | | | | | Consolidated | | 237,791 | | | 10.93 | | | N/A | | N/A | | N/A | | N/A | | Bank | | 262,255 | | | 12.05 | | | 97,953 | | | 4.50 | | | 141,488 | | | 6.50 | | | Tier 1 capital (to average assets) | | | | | | | | | | | | | | Consolidated | | 237,791 | | | 8.99 | | | N/A | | N/A | | N/A | | N/A | | Bank | | 262,255 | | | 9.91 | | | 105,826 | | | 4.00 | | | 132,282 | | | 5.00 | | |
(1)Regulatory capital requirements apply only to Open Bank, and OP Bancorp’s ratios are presented solely for information purposes.
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