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Regulatory matters | 3 Months Ended
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Mar. 31, 2026
Regulatory matters |
Regulatory matters | 14. Regulatory matters ​ The Company’s ability to pay dividends to its shareholders is largely dependent on The Bank’s ability to pay dividends to the Company. Regulations with respect to the banking industry limit the amount of dividends that may be paid without prior approval of The Bank’s regulatory agency. ​ The Company and The Bank 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 adverse effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and The Bank must meet specific capital guidelines that involve quantitative measures of the Company’s and The Bank’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company’s and The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Management believes, as of March 31, 2026 and December 31, 2025, that the Company and The Bank met all applicable capital adequacy requirements. ​ Current quantitative measures established by regulation to ensure capital adequacy require The Bank to maintain minimum amounts and ratios (set forth in the tables below) of Total capital, Tier 1 capital, and Tier 1 common equity (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital (as defined) to average assets (as defined). The following tables present summary information regarding the Company’s and Bank’s risk-based capital and related ratios at March 31, 2026 and December 31, 2025: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | March 31, 2026 |
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | 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 | ​ | $ | 450,966 | ​ | 10.96 | % | ​ | $ | 185,296 |  | 4.50 | % | ​ | ​ | NA | ​ | NA | ​
Bank | ​ |  | 532,086 | ​ | 12.95 | ​ | ​ |  | 184,882 |  | 4.50 | ​ | ​ | $ | 267,051 | ​ | 6.50 | %
Tier 1 capital to risk-weighted assets: | ​ ​ ​ | ​ | ​ | ​ | ​ | ​ ​ ​ | ​ | ​ | ​ | ​ ​ ​ | ​ | ​ ​ ​ | ​ | ​ | ​ | ​ ​ ​ | ​ | ​
Company | ​ | ​ | 460,966 | ​ | 11.20 | ​ | ​ | ​ | 247,062 |  | 6.00 | ​ | ​ | ​ | NA | ​ | NA | ​
Bank | ​ |  | 532,086 | ​ | 12.95 | ​ | ​ |  | 246,509 |  | 6.00 | ​ | ​ | ​ | 328,679 | ​ | 8.00 | ​
Total capital to risk-weighted assets: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Company | ​ |  | 582,785 | ​ | 14.16 | ​ | ​ |  | 329,416 |  | 8.00 | ​ | ​ | ​ | NA | ​ | NA | ​
Bank | ​ |  | 570,616 | ​ | 13.89 | ​ | ​ |  | 328,679 |  | 8.00 | ​ | ​ |  | 410,848 | ​ | 10.00 | ​
Tier 1 capital to average assets: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Company | ​ |  | 460,966 | ​ | 9.03 | ​ | ​ |  | 204,234 |  | 4.00 | ​ | ​ | ​ | NA | ​ | NA | ​
Bank | ​ | ​ | 532,086 | ​ | 10.42 | ​ | ​ | ​ | 204,233 |  | 4.00 | ​ | ​ | ​ | 255,292 | ​ | 5.00 | ​
NA = not applicable | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 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 | ​ | $ | 440,852 |  | 11.03 | % | ​ | $ | 179,784 |  | 4.50 | % | ​ | ​ | NA | ​ | NA | ​
Bank | ​ |  | 520,587 |  | 13.06 | ​ | ​ |  | 179,427 |  | 4.50 | ​ | ​ | $ | 259,172 |  | 6.50 | %
Tier 1 capital to risk-weighted assets: | ​ ​ ​ | ​ | ​ | ​ ​ ​ | ​ | ​ ​ ​ | ​ | ​ | ​ | ​ ​ ​ | ​ | ​ ​ ​ | ​ | ​ | ​ | ​ ​ ​ | ​ | ​
Company | ​ | ​ | 450,852 |  | 11.28 | ​ | ​ | ​ | 239,712 |  | 6.00 | ​ | ​ | ​ | NA | ​ | NA | ​
Bank | ​ |  | 520,587 |  | 13.06 | ​ | ​ |  | 239,236 |  | 6.00 | ​ | ​ | ​ | 318,981 |  | 8.00 | ​
Total capital to risk-weighted assets: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Company | ​ |  | 571,887 |  | 14.31 | ​ | ​ |  | 319,617 |  | 8.00 | ​ | ​ | ​ | NA | ​ | NA | ​
Bank | ​ |  | 558,435 |  | 14.01 | ​ | ​ |  | 318,981 |  | 8.00 | ​ | ​ |  | 398,726 |  | 10.00 | ​
Tier 1 capital to average assets: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Company | ​ |  | 450,852 |  | 8.84 | ​ | ​ |  | 204,039 |  | 4.00 | ​ | ​ | ​ | NA | ​ | NA | ​
Bank | ​ | ​ | 520,587 |  | 10.22 | ​ | ​ | ​ | 203,726 |  | 4.00 | ​ | ​ | ​ | 254,658 |  | 5.00 | ​
NA = not applicable | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​

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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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