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Regulatory Capital (Tables)
 9 Months Ended
Sep. 30, 2025
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 September 30, 2025

 

 

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

 

$452,731

 

12.18%

$297,419

 

8.00%

$390,363

 

10.50%

 

N/A

 

N/A

First Business Bank

 

450,613

 

12.12

 

297,482

 

8.00

 

390,445

 

10.50

 

$371,853

 

10.00%

Tier 1 capital
   (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$359,409

 

9.67%

 

$223,064

 

6.00%

 

$316,008

 

8.50%

 

N/A

 

N/A

First Business Bank

 

412,067

 

11.08

 

223,112

 

6.00

 

316,075

 

8.50

 

$297,482

 

8.00%

Common equity tier 1 capital
   (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$347,417

 

9.34%

 

$167,298

 

4.50%

 

$260,242

 

7.00%

 

N/A

 

N/A

First Business Bank

 

412,067

 

11.08

 

167,334

 

4.50

 

260,297

 

7.00

 

$241,704

 

6.50%

Tier 1 leverage capital
   (to adjusted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$359,409

 

8.87%

 

$162,031

 

4.00%

 

$162,031

 

4.00%

 

N/A

 

N/A

First Business Bank

 

412,067

 

10.18

 

161,895

 

4.00

 

161,895

 

4.00

 

$202,369

 

5.00%

 

 

 

 

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

 

10.17

 

150,207

 

4.00

 

150,207

 

4.00

 

$187,759

 

5.00%

 

(1)
2025 and 2024 capital amounts include $338,000 and $677,000, 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.