Actual

Minimum Required Plus
Capital Conservation Buffer

To Be Well
Capitalized under
Prompt Corrective
Action Provisions

Amount

Ratio

Amount

Ratio

Amount

Ratio

(Dollars in thousands)

As of December 31, 2024:

Tier 1 Capital (to Average- Assets)

Company

$

1,727,872

11.46

%

$

603,247

>

4.00

%

N/A

Bank

$

1,704,433

11.30

%

$

603,506

>

4.00

%

$

754,382

>

5.00

%

Common equity Tier 1 capital ratio

Company

$

1,727,872

16.24

%

$

744,579

>

7.00

%

N/A

Bank

$

1,704,433

16.01

%

$

745,068

>

7.00

%

$

691,849

>

6.50

%

Tier 1 Capital (to Risk-Weighted Assets)

Company

$

1,727,872

16.24

%

$

904,131

>

8.50

%

N/A

Bank

$

1,704,433

16.01

%

$

904,726

>

8.50

%

$

851,507

>

8.00

%

Total Capital (to Risk-Weighted Assets)

Company

$

1,814,244

17.06

%

$

1,116,868

>

10.50

%

N/A

Bank

$

1,790,805

16.82

%

$

1,117,602

>

10.50

%

$

1,064,383

>

10.00

%

As of December 31, 2023:

Tier 1 Capital (to Average- Assets)

Company

$

1,626,626

10.27

%

$

633,372

>

4.00

%

N/A

Bank

$

1,610,514

10.17

%

$

633,582

>

4.00

%

$

791,978

>

5.00

%

Common equity Tier 1 capital ratio

Company

$

1,626,626

14.65

%

$

777,359

>

7.00

%

N/A

Bank

$

1,610,514

14.49

%

$

777,782

>

7.00

%

$

722,226

>

6.50

%

Tier 1 Capital (to Risk-Weighted Assets)

Company

$

1,626,626

14.65

%

$

943,936

>

8.50

%

N/A

Bank

$

1,610,514

14.49

%

$

944,450

>

8.50

%

$

888,894

>

8.00

%

Total Capital (to Risk-Weighted Assets)

Company

$

1,720,968

15.50

%

$

1,166,038

>

10.50

%

N/A

Bank

$

1,704,856

15.34

%

$

1,166,673

>

10.50

%

$

1,111,118

>

10.00

%