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Regulatory matters (Tables)

9 Months Ended

Sep. 30, 2025

Regulatory matters

Schedule of actual capital ratios and the minimum ratios required for capital adequacy purposes and to be well capitalized under the prompt corrective action provisions


		September 30, 2025
														Minimum to be Well
														Capitalized under
								Minimum For Capital						Prompt Corrective
		Actual						Adequacy Purposes						Action Provisions
(Dollars in thousands, except percents)		Amount			Ratio			Amount			Ratio			Amount			Ratio
Common equity Tier 1 capital to risk-weighted assets:
Company		$	433,211		11.01	%		$	177,062		4.50	%			NA		NA
Bank			514,266		13.09				176,791		4.50			$	255,365		6.50	%
Tier 1 capital to risk-weighted assets:
Company			443,211		11.26				236,169		6.00				NA		NA
Bank			514,266		13.09				235,722		6.00				314,295		8.00
Total capital to risk-weighted assets:
Company			564,792		14.35				314,867		8.00				NA		NA
Bank			552,736		14.07				314,278		8.00				392,847		10.00
Tier 1 capital to average assets:
Company			443,211		8.87				199,870		4.00				NA		NA
Bank			514,266		10.31				199,521		4.00				249,402		5.00
NA = not applicable


		December 31, 2024
														Minimum to be Well
														Capitalized under
								Minimum For Capital						Prompt Corrective
		Actual						Adequacy Purposes						Action Provisions
(Dollars in thousands, except percents)		Amount			Ratio			Amount			Ratio			Amount			Ratio
Common equity Tier 1 capital to risk-weighted assets:
Company		$	399,461		10.16	%		$	176,971		4.50	%			NA		NA
Bank			429,958		10.95				176,640		4.50			$	255,147		6.50	%
Tier 1 capital to risk-weighted assets:
Company			409,461		10.41				235,962		6.00				NA		NA
Bank			429,958		10.95				235,520		6.00				314,027		8.00
Total capital to risk-weighted assets:
Company			485,117		12.34				314,616		8.00				NA		NA
Bank			472,614		12.04				314,027		8.00				392,534		10.00
Tier 1 capital to average assets:
Company			409,461		7.97				205,493		4.00				NA		NA
Bank			429,958		8.37				205,431		4.00				256,788		5.00
NA = not applicable