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Regulatory Capital Requirements (Tables)

9 Months Ended

Sep. 30, 2025

Regulatory Capital Requirements

Schedule of actual capital amounts and ratios

The Bank’s actual capital amounts and ratios are presented in the table as of the date indicated:


													To be well capitalized
								For minimum capital					under prompt corrective
			Actual					adequacy purposes					action provisions
			Amount		Ratio			Amount		Ratio			Amount		Ratio

September 30, 2025			(in thousands)

Total Capital		$	699,582		13.9%		$	401,533		8.0%		$	501,917		10.0%
(to Risk-Weighted Assets)
Tier 1 Capital			653,844		13.0%			301,150		6.0%			401,533		8.0%
(to Risk-Weighted Assets)
Common Equity Tier I Capital			653,844		13.0%			225,862		4.5%			326,246		6.5%
(to Risk-Weighted Assets)
Tier 1 Capital			653,844		12.6%			207,685		4.0%			259,606		5.0%
(to Total Average Assets)


													To be well capitalized
								For minimum capital					under prompt corrective
			Actual					adequacy purposes					action provisions
			Amount		Ratio			Amount		Ratio			Amount		Ratio

December 31, 2024			(in thousands)

Total Capital		$	656,103		14.1%		$	372,083		8.0%		$	465,104		10.0%
(to Risk-Weighted Assets)
Tier 1 Capital			614,156		13.2%			279,063		6.0%			372,083		8.0%
(to Risk-Weighted Assets)
Common Equity Tier I Capital			614,156		13.2%			209,297		4.5%			302,318		6.5%
(to Risk-Weighted Assets)
Tier 1 Capital			614,156		12.5%			196,435		4.0%			245,544		5.0%
(to Total Average Assets)

The Company’s actual consolidated capital amounts and ratios are presented in the table as of the date indicated:


													To be well capitalized
								For minimum capital					under prompt corrective
			Actual					adequacy purposes					action provisions
			Amount		Ratio			Amount		Ratio			Amount		Ratio

September 30, 2025			(in thousands)

Total Capital		$	785,198		15.6%		$	403,006		8.0%		$	503,757		10.0%
(to Risk-Weighted Assets)
Tier 1 Capital			739,460		14.7%			302,254		6.0%			403,006		8.0%
(to Risk-Weighted Assets)
Common Equity Tier I Capital			739,460		14.7%			226,691		4.5%			327,442		6.5%
(to Risk-Weighted Assets)
Tier 1 Capital			739,460		14.0%			211,148		4.0%			263,935		5.0%
(to Total Average Assets)


													To be well capitalized
								For minimum capital					under prompt corrective
			Actual					adequacy purposes					action provisions
			Amount		Ratio			Amount		Ratio			Amount		Ratio

December 31, 2024			(in thousands)

Total Capital		$	814,505		17.4%		$	374,650		8.0%		$	468,313		10.0%
(to Risk-Weighted Assets)
Tier 1 Capital			772,558		16.5%			280,988		6.0%			374,650		8.0%
(to Risk-Weighted Assets)
Common Equity Tier I Capital			772,558		16.5%			210,741		4.5%			304,403		6.5%
(to Risk-Weighted Assets)
Tier 1 Capital			772,558		15.3%			202,436		4.0%			253,045		5.0%
(to Total Average Assets)