To be Well Capitalized

For Capital

Under Prompt

For Capital

Adequacy With

Corrective

Actual

Adequacy Purposes

Capital Buffer

Action Provisions

Bank Only

Amount

Ratio

Amount

Ratio

Amount

Ratio

Amount

Ratio

At December 31, 2024

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

$

368,953

14.18%

$

208,174

8.00%

$

273,228

10.50%

$

260,218

10.00%

Tier 1 risk-based capital (to risk-weighted assets)

$

336,416

12.93%

$

156,131

6.00%

$

221,185

8.50%

$

208,174

8.00%

Tier 1 leverage capital (to average assets)

$

336,416

11.24%

$

119,741

4.00%

$

N/A

$

149,676

5.00%

CET 1 capital (to risk-weighted assets)

$

336,416

12.93%

$

117,098

4.50%

$

182,152

7.00%

$

169,141

6.50%

At December 31, 2023

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

$

339,436

13.37%

$

203,094

8.00%

$

266,561

10.50%

$

253,868

10.00%

Tier 1 risk-based capital (to risk-weighted assets)

$

307,686

12.12%

$

152,321

6.00%

$

215,787

8.50%

$

203,094

8.00%

Tier 1 leverage capital (to average assets)

$

307,686

10.39%

$

118,488

4.00%

$

N/A

$

148,109

5.00%

CET 1 capital (to risk-weighted assets)

$

307,686

12.12%

$

114,240

4.50%

$

177,707

7.00%

$

165,014

6.50%