| Schedule of Bank's Capital and Ratio Amounts |
The Company’s actual capital amounts and ratios are presented in the following table: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | For Capital Adequacy Purposes (1) | | To Be Considered Well Capitalized | | | | (In thousands) | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | | | | | | | | | | | | | | | | | | | | | December, 31, 2025 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total capital to risk weighted assets | $ | 936,532 | | | 16.40 | % | | $ | 456,875 | | | 8.00 | % | | N/A | | N/A | | | | | | Tier 1 capital to risk weighted assets | 812,379 | | | 14.23 | % | | 342,656 | | | 6.00 | % | | N/A | | N/A | | | | | | Tier 1 capital to average assets | 812,379 | | | 9.36 | % | | 347,198 | | | 4.00 | % | | N/A | | N/A | | | | | | Common equity tier 1 to risk weighted assets | 812,379 | | | 14.23 | % | | 256,992 | | | 4.50 | % | | N/A | | N/A | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | December, 31, 2024 | | | | | | | | | | | | | | | | | Total capital to risk weighted assets | $ | 879,316 | | | 16.26 | % | | $ | 432,496 | | | 8.00 | % | | N/A | | N/A | | | | | | Tier 1 capital to risk weighted assets | 751,394 | | | 13.90 | % | | 324,372 | | | 6.00 | % | | N/A | | N/A | | | | | | Tier 1 capital to average assets | 751,394 | | | 9.00 | % | | 334,112 | | | 4.00 | % | | N/A | | N/A | | | | | | Common equity tier 1 to risk weighted assets | 751,394 | | | 13.90 | % | | 243,279 | | | 4.50 | % | | N/A | | N/A | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(1)Amounts are shown exclusive of the applicable capital conservation buffer of 2.50%. The Bank’s actual capital amounts and ratios are presented in the following table: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | For Capital Adequacy Purposes (1) | | To Be Considered Well Capitalized | | (In thousands) | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | December, 31, 2025 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total capital to risk weighted assets | $ | 890,991 | | | 15.64 | % | | $ | 455,612 | | | 8.00 | % | | $ | 569,515 | | | 10.00 | % | | Tier 1 capital to risk weighted assets | 830,625 | | | 14.58 | % | | 341,709 | | | 6.00 | % | | 455,612 | | | 8.00 | % | | Tier 1 capital to average assets | 830,625 | | | 9.63 | % | | 345,109 | | | 4.00 | % | | 431,387 | | | 5.00 | % | | Common equity tier 1 to risk weighted assets | 830,625 | | | 14.58 | % | | 256,282 | | | 4.50 | % | | 370,185 | | | 6.50 | % | | | | | | | | | | | | | | December, 31, 2024 | | | | | | | | | | | | | | | | | | | | | | | | | Total capital to risk weighted assets | $ | 829,871 | | | 15.35 | % | | $ | 432,493 | | | 8.00 | % | | $ | 540,616 | | | 10.00 | % | | Tier 1 capital to risk weighted assets | 765,652 | | | 14.16 | % | | 324,370 | | | 6.00 | % | | 432,493 | | | 8.00 | % | | Tier 1 capital to average assets | 765,652 | | | 9.17 | % | | 334,109 | | | 4.00 | % | | 417,637 | | | 5.00 | % | | Common equity tier 1 to risk weighted assets | 765,652 | | | 14.16 | % | | 243,277 | | | 4.50 | % | | 351,400 | | | 6.50 | % |
(1)Amounts are shown exclusive of the applicable capital conservation buffer of 2.50%.
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