Actual

For Capital
Adequacy
Purposes

To Be Well
Capitalized
Under Prompt
Corrective Action
Provisions

(in millions)

Amount

Ratio

Amount

Ratio

Amount

Ratio

December 31, 2025

Total capital (to risk weighted assets)

$

851

114.6

%

$

59

8.0

%

$

74

10.0

%

Common Equity Tier 1 capital (to risk weighted assets)

$

846

114.0

%

$

33

4.5

%

$

48

6.5

%

Tier 1 capital (to risk weighted assets)

$

846

114.0

%

$

45

6.0

%

$

59

8.0

%

Tier 1 capital (to average assets)

$

846

67.6

%

$

50

4.0

%

$

63

5.0

%

December 31, 2024

Total capital (to risk weighted assets)

$

961

153.2

%

$

50

8.0

%

$

63

10.0

%

Common Equity Tier 1 capital (to risk weighted assets)

$

953

151.9

%

$

28

4.5

%

$

41

6.5

%

Tier 1 capital (to risk weighted assets)

$

953

151.9

%

$

38

6.0

%

$

50

8.0

%

Tier 1 capital (to average assets)

$

953

71.3

%

$

53

4.0

%

$

67

5.0

%