Regulatory Restrictions (Tables)

12 Months Ended

Dec. 31, 2025

The Company’s and the Bank’s respective regulatory capital ratios as of December 31, 2025 and 2024, along with the minimum amounts required for capital adequacy purposes and to be well capitalized under prompt corrective action in effect at such times are presented below. There are no conditions or events since year-end that management believes have changed the Company’s or the Bank's classification.


	Actual				Fully Phased-In Regulatory Guidelines Minimum				To Be Well Capitalized Under Current Prompt Corrective Action Provisions
($ in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
					(must equal or exceed)				(must equal or exceed)
As of December 31, 2025
Common Equity Tier I Capital Ratio
Company	$	1,319,899	14.10	%	$	655,116	7.00	%	N/A		N/A
Bank	$	1,373,033	14.69	%	$	654,306	7.00	%	$	607,570	6.50	%
Total Capital Ratio
Company	$	1,508,594	16.12	%	$	982,675	10.50	%	N/A		N/A
Bank	$	1,490,092	15.94	%	$	981,461	10.50	%	$	934,725	10.00	%
Tier I Capital Ratio
Company	$	1,391,392	14.87	%	$	795,498	8.50	%	N/A		N/A
Bank	$	1,373,033	14.69	%	$	794,514	8.50	%	$	747,778	8.00	%
Leverage Ratio
Company	$	1,391,392	11.21	%	$	496,292	4.00	%	N/A		N/A
Bank	$	1,373,033	11.08	%	$	495,836	4.00	%	$	619,796	5.00	%

As of December 31, 2024
Common Equity Tier I Capital Ratio
Company	$	1,239,980	14.35	%	$	604,868	7.00	%	N/A		N/A
Bank	$	1,315,671	15.23	%	$	604,708	7.00	%	$	561,514	6.50	%
Total Capital Ratio
Company	$	1,437,050	16.63	%	$	907,338	10.50	%	N/A		N/A
Bank	$	1,423,966	16.48	%	$	907,260	10.50	%	$	864,057	10.00	%
Tier I Capital Ratio
Company	$	1,311,128	15.17	%	$	734,647	8.50	%	N/A		N/A
Bank	$	1,315,671	15.23	%	$	734,288	8.50	%	$	691,094	8.00	%
Leverage Ratio
Company	$	1,311,128	11.15	%	$	470,360	4.00	%	N/A		N/A
Bank	$	1,315,671	11.19	%	$	470,302	4.00	%	$	587,878	5.00	%