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Regulatory Capital Requirements | 3 Months Ended
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Mar. 31, 2025
Regulatory Capital Requirements under Banking Regulations [Abstract] |
Regulatory Capital Requirements | Regulatory Capital Requirements Banks and bank holding companies are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory - and possibly additional discretionary - actions by regulators that, if undertaken, could have a direct material effect on the financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Banks’ assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Banks’ capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Company and Bank to maintain amounts and ratios (set forth in the table below) of common equity Tier 1 (“CET1”), Tier 1 and total capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital (as defined) to average assets (leverage ratio). As of March 31, 2025 and December 31, 2024, management believes that the Company and the Bank met all capital adequacy requirements to which they were subject. As of December 31, 2024, the most recent notification from our primary regulator categorized the Bank, as “well-capitalized” under the regulatory framework for prompt corrective action. There are no conditions or events since that notification that management believes would change the Bank’s classification. To be categorized as “well-capitalized,” the Bank must maintain minimum CET1, Tier 1 risk-based and total risk-based capital ratios, and Tier 1 leverage ratios, which are outlined in the table below. The following table presents the capital amounts and ratios for the Company and the Bank as of March 31, 2025 and December 31, 2024.
|  | March 31, 2025 |  | December 31, 2024 |  | Regulatory Minimum Ratio + Capital Conservation Buffer |  | To Be Well-Capitalized Under Prompt Corrective Action Regulation(1)
($ in thousands) |  |  |  |
The Company Amounts |  |  |  |  |  |  |  |
Common Equity Tier 1 Capital |  | $ | 470,223 |  |  | $ | 458,258 |  |  |  |  |
Tier 1 Capital |  | 500,149 |  |  | 488,105 |  |  |  |  |
Total Capital |  | 603,928 |  |  | 591,228 |  |  |  |  |
Risk-Weighted Assets |  | 4,823,833 |  |  | 4,852,564 |  |  |  |  |
The Company Ratios |  |  |  |  |  |  |  |
Common Equity Tier 1 Capital to RWA |  | 9.75 | % |  | 9.44 | % |  | 7.00 | % |  |
Tier 1 Capital to RWA |  | 10.37 |  |  | 10.06 |  |  | 8.50 |  |  |
Total Capital to RWA |  | 12.52 |  |  | 12.18 |  |  | 10.50 |  |  |
Tier 1 Capital to AA (Leverage)(2) |  | 8.27 |  |  | 8.02 |  |  | 4.00 |  |  |
The Bank Amounts |  |  |  |  |  |  |  |
Common Equity Tier 1 Capital |  | $ | 534,824 |  |  | $ | 521,453 |  |  |  |  |
Tier 1 Capital |  | 534,824 |  |  | 521,453 |  |  |  |  |
Total Capital |  | 594,550 |  |  | 580,706 |  |  |  |  |
Risk-Weighted Assets |  | 4,821,975 |  |  | 4,851,903 |  |  |  |  |
The Bank Ratios |  |  |  |  |  |  |  |
Common Equity Tier 1 Capital to RWA |  | 11.09 | % |  | 10.75 | % |  | 7.00 | % |  | 6.50 | %
Tier 1 Capital to RWA |  | 11.09 |  |  | 10.75 |  |  | 8.50 |  |  | 8.00 |
Total Capital to RWA |  | 12.33 |  |  | 11.97 |  |  | 10.50 |  |  | 10.00 |
Tier 1 Capital to AA (Leverage)(2) |  | 8.84 |  |  | 8.58 |  |  | 4.00 |  |  | 5.00 |
____________________________________ (1)Applies to the Bank only. (2)Tier 1 Capital to AA (Leverage) has no capital conservation buffer defined. The PCA well-capitalized threshold is defined as 5.00%. The Company is a separate legal entity from the Bank and must provide for its own liquidity. In addition to its operating expenses, the Company is responsible for paying any dividends declared to its common stockholders and interest and principal on outstanding debt. The Company’s primary source of income is dividends received from the Bank. The amount of dividends that the Bank may declare and pay to the Company in any calendar year, without the receipt of prior approval from the Federal Reserve Bank, cannot exceed net income for that year to date plus retained net income (as defined) for the preceding two calendar years. At March 31, 2025, the Bank could pay dividends to the Company to the extent of its earnings, so long as it maintained required capital ratios.

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- Definition Regulatory Capital Requirements under Banking Regulations + References No definition available. + Details
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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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