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Regulatory Capital | 12 Months Ended
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Dec. 31, 2023
Notes to Financial Statements |
Regulatory Capital | 14. Regulatory Capital Under current capital regulations, the Bank is required to comply with four separate capital adequacy standards. As of December 31, 2023, the Bank continued to be categorized as “well-capitalized” under the prompt corrective action regulations and continued to exceed all regulatory capital requirements. The Bank is also required to comply with a Capital Conservation Buffer (“CCB”). The CCB is designed to establish a capital range above minimum capital requirements and impose constraints on dividends, share buybacks and discretionary bonus payments when capital levels fall below prescribed levels. The minimum CCB is 2.5%. The CCB for the Bank at December 31, 2023 and 2022 was 4.81% and 6.37%, respectively. Set forth below is a summary of the Bank’s compliance with banking regulatory capital standards. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | December 31, 2023 |  | December 31, 2022 |
​ | ​ | ​ | ​ | ​ | Percent of | ​ | ​ | ​ | ​ | Percent of |
​ |  | Amount |  | Assets |  | Amount |  | Assets |
​ |  | (Dollars in thousands) | ​
Tier I (leverage) capital: |  | ​ |  |  |  |  | ​ |  |  |  | ​
Capital level | ​ | $ | 825,104 |  | 9.47 | % | $ | 915,628 |  | 10.56 | %
Requirement to be well-capitalized | ​ |  | 435,792 |  | 5.00 | ​ |  | 433,667 |  | 5.00 | ​
Excess | ​ |  | 389,312 |  | 4.47 | ​ |  | 481,961 |  | 5.56 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Common Equity Tier I risk-based capital: | ​ |  |  |  |  | ​ |  |  |  |  | ​
Capital level | ​ | $ | 825,104 |  | 12.22 | % | $ | 915,628 |  | 13.79 | %
Requirement to be well-capitalized | ​ |  | 438,878 |  | 6.50 | ​ |  | 431,734 |  | 6.50 | ​
Excess | ​ |  | 386,226 |  | 5.72 | ​ |  | 483,894 |  | 7.29 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Tier I risk-based capital: | ​ |  |  |  |  | ​ |  |  |  |  | ​
Capital level | ​ | $ | 825,104 |  | 12.22 | % | $ | 915,628 |  | 13.79 | %
Requirement to be well-capitalized | ​ |  | 540,157 |  | 8.00 | ​ |  | 531,365 |  | 8.00 | ​
Excess | ​ |  | 284,947 |  | 4.22 | ​ |  | 384,263 |  | 5.79 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total risk-based capital: | ​ |  |  |  |  | ​ |  |  |  |  | ​
Capital level | ​ | $ | 864,999 |  | 12.81 | % | $ | 954,457 |  | 14.37 | %
Requirement to be well-capitalized | ​ |  | 675,196 |  | 10.00 | ​ |  | 664,206 |  | 10.00 | ​
Excess | ​ |  | 189,803 |  | 2.81 | ​ |  | 290,251 |  | 4.37 | ​
​ ​ The Holding Company is subject to the same regulatory capital requirements as the Bank. As of December 31, 2023, the Holding Company continues to be categorized as “well-capitalized” under the prompt corrective action regulations and continues to exceed all regulatory capital requirements. The CCB for the Holding Company at December 31, 2023 and 2022 was 4.93% and 5.25%, respectively. Set forth below is a summary of the Holding Company’s compliance with banking regulatory capital standards. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | December 31, 2023 |  | December 31, 2022 |
​ | ​ | ​ | ​ | ​ | Percent of | ​ | ​ | ​ | ​ | Percent of |
​ |  | Amount |  | Assets |  | Amount |  | Assets |
​ | ​ | (Dollars in thousands) |
Tier I (leverage) capital: |  | ​ |  |  |  |  | ​ |  |  |  | ​
Capital level | ​ | $ | 737,732 |  | 8.47 | % | $ | 746,880 |  | 8.61 | %
Requirement to be well-capitalized | ​ |  | 435,748 |  | 5.00 | ​ |  | 433,607 |  | 5.00 | ​
Excess | ​ |  | 301,984 |  | 3.47 | ​ |  | 313,273 |  | 3.61 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Common Equity Tier I risk-based capital: | ​ |  | ​ |  |  | ​ |  | ​ |  |  | ​
Capital level | ​ | $ | 691,754 |  | 10.25 | % | $ | 698,258 |  | 10.52 | %
Requirement to be well-capitalized | ​ |  | 438,770 |  | 6.50 | ​ |  | 431,635 |  | 6.50 | ​
Excess | ​ |  | 252,984 |  | 3.75 | ​ |  | 266,623 |  | 4.02 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Tier I risk-based capital: | ​ |  | ​ |  |  | ​ |  | ​ |  |  | ​
Capital level | ​ | $ | 737,732 |  | 10.93 | % | $ | 746,880 |  | 11.25 | %
Requirement to be well-capitalized | ​ |  | 540,024 |  | 8.00 | ​ |  | 531,243 |  | 8.00 | ​
Excess | ​ |  | 197,708 |  | 2.93 | ​ |  | 215,637 |  | 3.25 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total risk-based capital: | ​ |  | ​ |  |  | ​ |  | ​ |  |  | ​
Capital level | ​ | $ | 967,627 |  | 14.33 | % | $ | 975,709 |  | 14.69 | %
Requirement to be well-capitalized | ​ |  | 675,030 |  | 10.00 | ​ |  | 664,054 |  | 10.00 | ​
Excess | ​ |  | 292,597 |  | 4.33 | ​ |  | 311,655 |  | 4.69 | ​
​

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- Definition The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(2) -Publisher FASB -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1D -Publisher FASB -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1D Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1A -Publisher FASB -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1A Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1F -Publisher FASB -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1F + Details
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