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Regulatory Capital (Tables) | 12 Months Ended
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Dec. 31, 2024
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract] |
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations | The following tables summarize both the Corporation’s and the Bank’s capital ratios and the ratios required by their federal regulators:
|  | As of December 31, 2024 |
|  | Actual (1) |  |  | Minimum Required for Capital Adequacy Purposes |  |  | For Capital Adequacy Purposes Plus Capital Conservation Buffer |  |  | Minimum Required to Be Well Capitalized Under Prompt Corrective Action Requirements |
|  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |
|  | (Dollars in Thousands) |
Total capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 421,639 |  |  |  | 12.08 | % |  | $ | 279,330 |  |  |  | 8.00 | % |  | $ | 366,621 |  |  |  | 10.50 | % |  | N/A |  |  | N/A |
First Business Bank |  |  | 417,965 |  |  |  | 11.97 |  |  |  | 279,342 |  |  |  | 8.00 |  |  |  | 366,636 |  |  |  | 10.50 |  |  | $ | 349,177 |  |  |  | 10.00 | %
Tier 1 capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 329,796 |  |  |  | 9.45 | % |  | $ | 209,498 |  |  |  | 6.00 | % |  | $ | 296,788 |  |  |  | 8.50 | % |  | N/A |  |  | N/A |
First Business Bank |  |  | 380,811 |  |  |  | 10.91 |  |  |  | 209,506 |  |  |  | 6.00 |  |  |  | 296,801 |  |  |  | 8.50 |  |  | $ | 279,342 |  |  |  | 8.00 | %
Common equity tier 1 capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 317,804 |  |  |  | 9.10 | % |  | $ | 157,123 |  |  |  | 4.50 | % |  | $ | 244,414 |  |  |  | 7.00 | % |  | N/A |  |  | N/A |
First Business Bank |  |  | 380,811 |  |  |  | 10.91 |  |  |  | 157,130 |  |  |  | 4.50 |  |  |  | 244,424 |  |  |  | 7.00 |  |  | $ | 226,965 |  |  |  | 6.50 | %
Tier 1 leverage capital (to adjusted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 329,796 |  |  |  | 8.78 | % |  | $ | 150,256 |  |  |  | 4.00 | % |  | $ | 150,256 |  |  |  | 4.00 | % |  | N/A |  |  | N/A |
First Business Bank |  |  | 380,811 |  |  |  | 10.14 |  |  |  | 150,207 |  |  |  | 4.00 |  |  |  | 150,207 |  |  |  | 4.00 |  |  | $ | 187,759 |  |  |  | 5.00 | %
|  | As of December 31, 2023 |
|  | Actual (1) |  |  | Minimum Required for Capital Adequacy Purposes |  |  | For Capital Adequacy Purposes Plus Capital Conservation Buffer |  |  | Minimum Required to Be Well Capitalized Under Prompt Corrective Action Requirements |
|  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |
|  | (Dollars in Thousands) |
Total capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 375,440 |  |  |  | 11.19 | % |  | $ | 268,500 |  |  |  | 8.00 | % |  | $ | 352,406 |  |  |  | 10.50 | % |  | N/A |  |  | N/A |
First Business Bank |  |  | 376,310 |  |  |  | 11.21 |  |  |  | 268,595 |  |  |  | 8.00 |  |  |  | 352,531 |  |  |  | 10.50 |  |  | $ | 335,744 |  |  |  | 10.00 | %
Tier 1 capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 293,338 |  |  |  | 8.74 | % |  | $ | 201,375 |  |  |  | 6.00 | % |  | $ | 285,281 |  |  |  | 8.50 | % |  | N/A |  |  | N/A |
First Business Bank |  |  | 343,604 |  |  |  | 10.23 |  |  |  | 201,446 |  |  |  | 6.00 |  |  |  | 285,382 |  |  |  | 8.50 |  |  | $ | 268,595 |  |  |  | 8.00 | %
Common equity tier 1 capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 281,346 |  |  |  | 8.38 | % |  | $ | 151,031 |  |  |  | 4.50 | % |  | $ | 234,937 |  |  |  | 7.00 | % |  | N/A |  |  | N/A |
First Business Bank |  |  | 343,604 |  |  |  | 10.23 |  |  |  | 151,085 |  |  |  | 4.50 |  |  |  | 235,021 |  |  |  | 7.00 |  |  | $ | 218,233 |  |  |  | 6.50 | %
Tier 1 leverage capital (to adjusted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 293,338 |  |  |  | 8.43 | % |  | $ | 139,145 |  |  |  | 4.00 | % |  | $ | 139,145 |  |  |  | 4.00 | % |  | N/A |  |  | N/A |
First Business Bank |  |  | 343,604 |  |  |  | 9.87 |  |  |  | 139,262 |  |  |  | 4.00 |  |  |  | 139,262 |  |  |  | 4.00 |  |  | $ | 174,077 |  |  |  | 5.00 | %
(1) 2024 and 2023 capital amounts include $676,000 an d $1.0 million, respectively, of additional stockholders’ equity as elected by the Corporation and permitted by federal banking regulatory agencies related to the adoption of ASC 326. Risk-weighted assets were also adjusted accordingly.
Reconciliation of Stockholders' Equity to Federal Regulatory Capital | The following table reconciles stockholders’ equity to federal regulatory capital at December 31, 2024 and 2023, respectively:
|  | As of December 31, |
|  | 2024 |  |  | 2023 |
|  | (In Thousands) |
Stockholders’ equity of the Corporation |  | $ | 328,589 |  |  | $ | 289,588 |
Net unrealized and accumulated losses on specific items |  |  | 11,425 |  |  |  | 13,717 |
Disallowed servicing assets |  |  | (514 | ) |  |  | (614 | )
Disallowed goodwill and other intangibles |  |  | (10,380 | ) |  |  | (10,368 | )
ASC 326 Phase-in |  |  | 676 |  |  |  | 1,015 |
Tier 1 capital |  |  | 329,796 |  |  |  | 293,338 |
Allowable general valuation allowances and subordinated debt |  |  | 91,843 |  |  |  | 82,102 |
Total capital |  | $ | 421,639 |  |  | $ | 375,440 |

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