For

To be Well

Minimum

Capital

Capitalized under

Capital

Adequacy

Prompt Corrective

Conservation

Actual

Purposes

Action Regulations

Buffer

Amount

Ratio

Amount

Ratio

Amount

Ratio

At December 31, 2025

The Company

Tier 1 leverage ratio (Tier 1 capital to average assets)

$

793,738

9.5

%

$

333,936

4.0

%

$

N/A

—

%

Tier 1 common equity (to risk-weighted assets)

$

773,118

10.7

%

$

324,706

4.5

%

$

N/A

2.5

%

Tier 1 capital (to risk-weighted assets)

$

793,738

11.0

%

$

432,941

6.0

%

$

N/A

2.5

%

Total capital (to risk-weighted assets)

$

884,046

12.3

%

$

577,255

8.0

%

$

N/A

2.5

%

The Bank

Tier 1 leverage ratio (Tier 1 capital to average assets)

$

756,729

9.1

%

$

334,012

4.0

%

$

417,514

5.0

%

—

%

Tier 1 common equity (to risk-weighted assets)

$

756,729

10.5

%

$

324,676

4.5

%

$

468,976

6.5

%

2.5

%

Tier 1 capital (to risk-weighted assets)

$

756,729

10.5

%

$

432,901

6.0

%

$

577,202

8.0

%

2.5

%

Total capital (to risk-weighted assets)

$

847,028

11.7

%

$

577,202

8.0

%

$

721,502

10.0

%

2.5

%

At December 31, 2024

The Company

Tier 1 leverage ratio (Tier 1 capital to average assets)

$

793,847

10.8

%

$

294,141

4.0

%

$

N/A

—

%

Tier 1 common equity (to risk-weighted assets)

$

773,227

11.9

%

$

291,450

4.5

%

$

N/A

2.5

%

Tier 1 capital (to risk-weighted assets)

$

793,847

12.3

%

$

388,600

6.0

%

$

N/A

2.5

%

Total capital (to risk-weighted assets)

$

859,129

13.3

%

$

518,134

8.0

%

$

N/A

2.5

%

The Bank

Tier 1 leverage ratio (Tier 1 capital to average assets)

$

775,106

10.6

%

$

293,513

4.0

%

$

366,892

5.0

%

—

%

Tier 1 common equity (to risk-weighted assets)

$

775,106

12.0

%

$

291,421

4.5

%

$

420,942

6.5

%

2.5

%

Tier 1 capital (to risk-weighted assets)

$

775,106

12.0

%

$

388,562

6.0

%

$

518,082

8.0

%

2.5

%

Total capital (to risk-weighted assets)

$

840,387

13.0

%

$

518,082

8.0

%

$

647,603

10.0

%

2.5

%