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Regulatory Capital Matters | 12 Months Ended
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Dec. 31, 2024
Regulatory Capital Requirements under Banking Regulations [Abstract] |
Regulatory Capital Matters | Regulatory Capital Matters Banks and bank holding companies are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and, additionally for banks, “prompt corrective action” regulations, involve quantitative measures of assets, liabilities, and certain off-balance sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators. Failure to meet capital requirements can initiate regulatory action. Under the Basel III Framework, an entity must hold a capital conservation buffer above the adequately capitalized risk-based capital ratios. The net unrealized gain or loss on AFS securities is not included in computing regulatory capital. Management believes as of December 31, 2024, the Company and the Bank meet all capital adequacy requirements to which they are subject. “Prompt corrective action” regulations provide five classifications: “well capitalized,” “adequately capitalized,” “undercapitalized,” “significantly undercapitalized,” and “critically undercapitalized,” although these terms are not used to represent overall financial condition. If “adequately capitalized,” regulatory approval is required to accept brokered deposits. If “undercapitalized,” capital distributions are limited, as is asset growth and expansion, and capital restoration plans are required. As of December 31, 2024, and December 31, 2023, the most recent notification from the FDIC categorized the Bank as “well capitalized” under the regulatory framework for “prompt corrective action.” The table below presents the actual and required capital amounts and ratios for the Company and the Bank at December 31, 2024, and December 31, 2023 (in thousands except for ratios).
|  | Actual |  | Minimum Required Capital - Basel III |  | Minimum Required to be Well Capitalized
|  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
As of December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |
Total Capital to risk-weighted assets |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 930,753 |  |  | 14.57 | % |  | $ | 670,590 |  |  | ≥ 10.5% |  | $ | 638,658 |  |  | N/A
Burke & Herbert Bank & Trust |  | 919,843 |  |  | 14.41 |  |  | 670,028 |  |  | ≥ 10.5 |  | 638,122 |  |  | ≥ 10.0
Tier 1 (Core) Capital to risk-weighted assets |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | 763,842 |  |  | 11.96 |  |  | 542,859 |  |  | ≥ 8.5 |  | 510,926 |  |  | N/A
Burke & Herbert Bank & Trust |  | 847,804 |  |  | 13.29 |  |  | 542,404 |  |  | ≥ 8.5 |  | 510,498 |  |  | ≥ 8.0
Common Tier 1 (CET 1) to risk-weighted assets |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | 736,416 |  |  | 11.53 |  |  | 447,060 |  |  | ≥ 7.0 |  | 415,127 |  |  | N/A
Burke & Herbert Bank & Trust |  | 847,804 |  |  | 13.29 |  |  | 446,686 |  |  | ≥ 7.0 |  | 414,779 |  |  | ≥ 6.5
Tier 1 (Core) Capital to average assets (leverage ratio) |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | 736,416 |  |  | 9.80 |  |  | 311,904 |  |  | ≥ 4.0 |  | 389,880 |  |  | N/A
Burke & Herbert Bank & Trust |  | 847,804 |  |  | 10.88 |  |  | 311,616 |  |  | ≥ 4.0 |  | 389,520 |  |  | ≥ 5.0
As of December 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |
Total Capital to risk-weighted assets |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 443,799 |  |  | 17.88 | % |  | $ | 260,694 |  |  | ≥ 10.5% |  | $ | 248,280 |  |  | N/A
Burke & Herbert Bank & Trust |  | 442,414 |  |  | 17.82 |  |  | 260,626 |  |  | ≥ 10.5 |  | 248,215 |  |  | ≥ 10.0
Tier 1 (Core) Capital to risk-weighted assets |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | 418,244 |  |  | 16.85 |  |  | 211,038 |  |  | ≥ 8.5 |  | 198,624 |  |  | N/A
Burke & Herbert Bank & Trust |  | 416,859 |  |  | 16.79 |  |  | 210,983 |  |  | ≥ 8.5 |  | 198,572 |  |  | ≥ 8.0
Common Tier 1 (CET 1) to risk-weighted assets |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | 418,244 |  |  | 16.85 |  |  | 173,796 |  |  | ≥ 7.0 |  | 161,382 |  |  | N/A
Burke & Herbert Bank & Trust |  | 416,859 |  |  | 16.79 |  |  | 173,751 |  |  | ≥ 7.0 |  | 161,340 |  |  | ≥ 6.5
Tier 1 (Core) Capital to average assets (leverage ratio) |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | 418,244 |  |  | 11.31 |  |  | 147,965 |  |  | ≥ 4.0 |  | 184,957 |  |  | N/A
Burke & Herbert Bank & Trust |  | 416,859 |  |  | 11.27 |  |  | 147,986 |  |  | ≥4.0 |  | 184,982 |  |  | ≥5.0
The Company’s principal source of funds for dividend payments is dividends received from the Bank. Banking regulations limit the amount of dividends that may be paid without prior approval of regulatory agencies. As of December 31, 2024, approximately $249.7 million of retained earnings was available for dividend declaration consistent with the Company’s capital plan.

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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 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1D -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1D Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1A -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1A Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1F -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1F + Details
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