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Regulatory Capital

9 Months Ended

Sep. 30, 2025

Regulatory Capital

Regulatory Capital

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13.     Regulatory Capital

Under current capital regulations, the Bank is required to comply with four separate capital adequacy standards and a Capital Conservation Buffer (“CCB”). As of September 30, 2025, the Bank 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 Bank was 6.02% and 5.11% at September 30, 2025 and December 31, 2024, respectively.

Set forth below is a summary of the Bank’s compliance with banking regulatory capital standards.

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​	​	​	​	​	​	​	​	​	​	​	​
​		September 30, 2025					December 31, 2024
​	​	​	​	​	Percent of	​	​	​	​	Percent of
​		Amount			Assets		Amount			Assets
​		(Dollars in thousands)									​
Tier I (leverage) capital:		​					​				​
Capital level	​	$	895,465		10.30	%	$	847,588		9.31	%
Requirement to be well-capitalized	​		434,841		5.00	​		455,335		5.00	​
Excess	​		460,624		5.30	​		392,253		4.31	​
​	​	​	​	​	​	​	​	​	​	​	​
Common Equity Tier I risk-based capital:	​					​					​
Capital level	​	$	895,465		13.38	%	$	847,588		12.51	%
Requirement to be well-capitalized	​		435,047		6.50	​		440,259		6.50	​
Excess	​		460,418		6.88	​		407,329		6.01	​
​	​	​	​	​	​	​	​	​	​	​	​
Tier I risk-based capital:	​					​					​
Capital level	​	$	895,465		13.38	%	$	847,588		12.51	%
Requirement to be well-capitalized	​		535,442		8.00	​		541,857		8.00	​
Excess	​		360,023		5.38	​		305,731		4.51	​
​	​	​	​	​	​	​	​	​	​	​	​
Total risk-based capital:	​					​					​
Capital level	​	$	938,033		14.02	%	$	887,902		13.11	%
Requirement to be well-capitalized	​		669,303		10.00	​		677,321		10.00	​
Excess	​		268,730		4.02	​		210,581		3.11	​

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The Company is subject to the same regulatory capital requirements as the Bank. As of September 30, 2025, the 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 Company at September 30, 2025 and December 31, 2024 was 5.23% and 4.82%, respectively.

Set forth below is a summary of the Company’s compliance with banking regulatory capital standards.

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​	​	​	​	​	​	​	​	​	​	​	​
​		September 30, 2025					December 31, 2024
​	​	​	​	​	Percent of	​	​	​	​	Percent of
​		Amount			Assets		Amount			Assets
​	​	(Dollars in thousands)
Tier I (leverage) capital:		​					​				​
Capital level	​	$	751,258		8.64	%	$	731,958		8.04	%
Requirement to be well-capitalized	​		434,790		5.00	​		455,297		5.00	​
Excess	​		316,468		3.64	​		276,661		3.04	​
​	​	​	​	​	​	​	​	​	​	​	​
Common Equity Tier I risk-based capital:	​		​			​		​			​
Capital level	​	$	703,450		10.51	%	$	685,004		10.13	%
Requirement to be well-capitalized	​		434,982		6.50	​		439,533		6.50	​
Excess	​		268,468		4.01	​		245,471		3.63	​
​	​	​	​	​	​	​	​	​	​	​	​
Tier I risk-based capital:	​		​			​		​			​
Capital level	​	$	751,258		11.23	%	$	731,958		10.82	%
Requirement to be well-capitalized	​		535,363		8.00	​		540,964		8.00	​
Excess	​		215,895		3.23	​		190,994		2.82	​
​	​	​	​	​	​	​	​	​	​	​	​
Total risk-based capital:	​		​			​		​			​
Capital level	​	$	983,826		14.70	%	$	962,272		14.23	%
Requirement to be well-capitalized	​		669,204		10.00	​		676,205		10.00	​
Excess	​		314,622		4.70	​		286,067		4.23	​

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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/1943274/2147477270/942-505-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
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-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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Reference 5: http://www.xbrl.org/2003/role/disclosureRef
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-Section 50
-Paragraph 1
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Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
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-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1D

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-Topic 942
-SubTopic 505
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