Actual

Minimum Capital Requirement

Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions

Amount

Ratio

Amount

Ratio

Amount

Ratio

December 31, 2024:

Total Capital (to Risk-Weighted Assets)

$

181,449

12.34

%

$

117,580

8.00

%

$

146,975

10.00

%

Tier 1 Capital (to Risk-Weighted Assets)

$

164,454

11.19

%

$

88,185

6.00

%

$

117,580

8.00

%

Common Equity Tier 1 Capital (to Risk-Weighted Assets)

$

164,454

11.19

%

$

66,139

4.50

%

$

95,534

6.50

%

Tier 1 Capital (to Average Assets)

$

164,454

7.95

%

$

82,719

4.00

%

$

103,398

5.00

%

December 31, 2023:

Total Capital (to Risk-Weighted Assets)

$

142,334

14.05

%

$

81,027

8.00

%

$

101,284

10.00

%

Tier 1 Capital (to Risk-Weighted Assets)

$

129,840

12.82

%

$

60,771

6.00

%

$

81,027

8.00

%

Common Equity Tier 1 Capital (to Risk-Weighted Assets)

$

129,840

12.82

%

$

45,578

4.50

%

$

65,835

6.50

%

Tier 1 Capital (to Average Assets)

$

129,840

9.31

%

$

55,797

4.00

%

$

69,746

5.00

%