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v3.26.1

Regulatory Requirements (Tables) | 6 Months Ended
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Jun. 30, 2026
Regulated Operations [Abstract] |
Schedule of Regulatory Capital Amounts and Ratios | The following table presents the actual capital amounts and ratios of the Company and Happen Bank as well as the regulatory minimum and “well capitalized” requirements (dollars in millions):
| June 30, 2026 |  | December 31, 2025 |  | Required Minimum(1) |  | Well-Capitalized Minimum
Amount |  | Ratio |  | Amount |  | Ratio |  |
Happen, Inc.: |  |  |  |  |  |  |  |  |  |  |
CET1 capital(2) | $ | 1,436.2 |  |  | 16.9 | % |  | $ | 1,342.6 |  |  | 17.4 | % |  | 7.0 | % |  | N/A
Tier 1 capital | $ | 1,436.2 |  |  | 16.9 | % |  | $ | 1,342.6 |  |  | 17.4 | % |  | 8.5 | % |  | 6.0 | %
Total capital | $ | 1,543.5 |  |  | 18.2 | % |  | $ | 1,441.0 |  |  | 18.7 | % |  | 10.5 | % |  | 10.0 | %
Tier 1 leverage | $ | 1,436.2 |  |  | 11.9 | % |  | $ | 1,342.6 |  |  | 12.0 | % |  | 4.0 | % |  | N/A
Risk-weighted assets | $ | 8,499.0 |  |  | N/A |  | $ | 7,696.1 |  |  | N/A |  | N/A |  | N/A
Quarterly adjusted average assets | $ | 12,048.2 |  |  | N/A |  | $ | 11,174.0 |  |  | N/A |  | N/A |  | N/A
Happen Bank: |  |  |  |  |  |  |  |  |  |  |
CET1 capital(2) | $ | 1,315.7 |  |  | 15.6 | % |  | $ | 1,183.9 |  |  | 15.5 | % |  | 7.0 | % |  | 6.5 | %
Tier 1 capital | $ | 1,315.7 |  |  | 15.6 | % |  | $ | 1,183.9 |  |  | 15.5 | % |  | 8.5 | % |  | 8.0 | %
Total capital | $ | 1,422.4 |  |  | 16.8 | % |  | $ | 1,281.8 |  |  | 16.8 | % |  | 10.5 | % |  | 10.0 | %
Tier 1 leverage | $ | 1,315.7 |  |  | 11.0 | % |  | $ | 1,183.9 |  |  | 10.7 | % |  | 4.0 | % |  | 5.0 | %
Risk-weighted assets | $ | 8,452.0 |  |  | N/A |  | $ | 7,652.0 |  |  | N/A |  | N/A |  | N/A
Quarterly adjusted average assets | $ | 11,987.1 |  |  | N/A |  | $ | 11,090.4 |  |  | N/A |  | N/A |  | N/A
N/A – Not applicable (1) Required minimums presented for risk-based capital ratios include the required capital conservation buffer of 2.5%. (2) CET1 capital consists of common stockholders’ equity as defined under U.S. GAAP and certain adjustments made in accordance with regulatory capital guidelines, including deductions for goodwill and other intangible assets.

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- Definition Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1B -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1B Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 + Details
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