Actual

Required for Capital
Adequacy Purposes

To be Well Capitalized
Under Prompt
Corrective Action
Regulations *

Amount

Ratio

Amount

Ratio

Amount

Ratio

(Dollars in thousands)

As of September 30, 2024

Total risk-based capital (to risk-weighted assets)

Company Consolidated

$

321,177

15.23

%

$

168,717

8.00

%

$

210,896

10.00

%

Bank

313,386

14.97

167,498

8.00

209,373

10.00

Common equity tier 1 (to risk-weighted assets)

Company Consolidated

284,799

13.50

94,903

4.50

137,082

6.50

Bank

287,197

13.72

94,218

4.50

136,092

6.50

Tier 1 capital (to risk-weighted assets)

Company Consolidated

294,799

13.98

126,538

6.00

168,717

8.00

Bank

287,197

13.72

125,624

6.00

167,498

8.00

Tier 1 capital (to average total assets)

Company Consolidated

294,799

11.94

98,722

4.00

123,403

5.00

Bank

287,197

11.67

98,411

4.00

123,014

5.00

As of December 31, 2023

Total risk-based capital (to risk-weighted assets)

Company Consolidated

$

298,293

14.43

%

$

165,370

8.00

%

$

206,712

10.00

%

Bank

287,206

14.02

163,911

8.00

204,889

10.00

Common equity tier 1 (to risk-weighted assets)

Company Consolidated

262,454

12.70

93,020

4.50

134,363

6.50

Bank

261,584

12.76

92,200

4.50

133,178

6.50

Tier 1 capital (to risk-weighted assets)

Company Consolidated

272,454

13.18

124,027

6.00

165,370

8.00

Bank

261,584

12.76

122,934

6.00

163,911

8.00

Tier 1 capital (to average total assets)

Company Consolidated

272,454

11.14

97,800

4.00

122,250

5.00

Bank

261,584

10.74

97,355

4.00

121,693

5.00