| Schedule of Compliance With Regulatory Capital Requirements Under Banking Regulations |
Capital amounts and ratios for the Company as of June 30, 2026 and December 31, 2025, are presented in the following table (Basel III Minimum includes the capital conservation buffer): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | Basel III Minimum | | | | (dollars in thousands) | Amount | | Ratio | | Amount | | Ratio | | | | | | June 30, 2026 | | | | | | | | | | | | | Total Risk-Based Capital | $ | 453,106 | | | 18.76 | % | | $ | 253,614 | | | 10.50 | % | | | | | | Tier I Risk-Based Capital | $ | 427,693 | | | 17.71 | % | | $ | 205,306 | | | 8.50 | % | | | | | | Common Equity Tier I Capital | $ | 427,693 | | | 17.71 | % | | $ | 169,076 | | | 7.00 | % | | | | | | Tier I Leverage Capital | $ | 427,693 | | | 12.77 | % | | $ | 133,948 | | | 4.00 | % | | | | | | | | | | | | | | | | | | December 31, 2025 | | | | | | | | | | | | | Total Risk-Based Capital | $ | 430,986 | | | 18.03 | % | | $ | 250,995 | | | 10.50 | % | | | | | | Tier I Risk-Based Capital | $ | 406,945 | | | 17.02 | % | | $ | 203,186 | | | 8.50 | % | | | | | | Common Equity Tier I Capital | $ | 406,945 | | | 17.02 | % | | $ | 167,330 | | | 7.00 | % | | | | | | Tier I Leverage Capital | $ | 406,945 | | | 12.21 | % | | $ | 133,321 | | | 4.00 | % | | | | |
Capital amounts and ratios for the Bank as of June 30, 2026 and December 31, 2025, are presented in the following table (Basel III Minimum includes the capital conservation buffer): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Regulatory Requirements | | Actual | | Basel III Minimum | | Well-Capitalized(1) | | (dollars in thousands) | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | June 30, 2026 | | | | | | | | | | | | | Total Risk-Based Capital | $ | 443,564 | | | 18.37 | % | | $ | 253,528 | | | 10.50 | % | | $ | 241,455 | | | 10.00 | % | | Tier I Risk-Based Capital | $ | 418,151 | | | 17.32 | % | | $ | 205,237 | | | 8.50 | % | | $ | 193,164 | | | 8.00 | % | | Common Equity Tier I Capital | $ | 418,151 | | | 17.32 | % | | $ | 169,019 | | | 7.00 | % | | $ | 156,946 | | | 6.50 | % | | Tier I Leverage Capital | $ | 418,151 | | | 12.49 | % | | $ | 133,896 | | | 4.00 | % | | $ | 167,371 | | | 5.00 | % | | | | | | | | | | | | | | December 31, 2025 | | | | | | | | | | | | | Total Risk-Based Capital | $ | 421,929 | | | 17.66 | % | | $ | 250,916 | | | 10.50 | % | | $ | 238,968 | | | 10.00 | % | | Tier I Risk-Based Capital | $ | 397,888 | | | 16.65 | % | | $ | 203,123 | | | 8.50 | % | | $ | 191,174 | | | 8.00 | % | | Common Equity Tier I Capital | $ | 397,888 | | | 16.65 | % | | $ | 167,277 | | | 7.00 | % | | $ | 155,329 | | | 6.50 | % | | Tier I Leverage Capital | $ | 397,888 | | | 11.94 | % | | $ | 133,274 | | | 4.00 | % | | $ | 166,593 | | | 5.00 | % |
(1)This column refers to the prompt corrective action requirements applicable to banks.
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