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Regulatory Capital Requirements (Tables)
 3 Months Ended
Mar. 31, 2025
Schedule of Compliance with Regulatory Capital Requirements for Mortgage Companies

The following is a comparison of the Company’s regulatory capital ratios to minimum capital ratio requirements as of March 31, 2025 and December 31, 2024.

 

(Dollars in thousands)            
           For capital 
   Actual   adequacy purposes 
   Amount   Ratio   Amount   Ratio (1) 
As of March 31, 2025                    
Leverage  $143,117    9.20%  $62,197    4.0%
Common Equity Tier 1 Capital   122,117    10.62%   80,521    7.0%
Tier 1 Capital   143,117    12.44%   97,776    8.5%
Total Risk Based Capital   155,859    13.55%   120,782    10.5%
                     
As of December 31, 2024                    
Leverage  $139,657    9.02%  $61,964    4.0%
Common Equity Tier 1 Capital   118,657    10.49%   79,164    7.0%
Tier 1 Capital   139,657    12.35%   96,128    8.5%
Total Risk Based Capital   152,121    13.45%   118,746    10.5%

 

(1)The required ratios for capital adequacy purposes include a capital conservation buffer of 2.5%.
Schedule of Compliance with Regulatory Capital Requirements Under Banking Regulations

The following is a comparison of the Bank’s regulatory capital to minimum capital requirements as of March 31, 2025 and December 31, 2024:

  

                   To be well-capitalized 
                   under prompt 
(Dollars in thousands)      For capital   corrective 
   Actual   adequacy purposes   action provisions 
   Amount   Ratio   Amount   Ratio (1)   Amount   Ratio 
As of March 31, 2025                              
Leverage  $143,202    9.24%  $62,007    4.0%  $77,509    5.0%
Common Equity Tier 1 Capital   143,202    12.45%   80,488    7.0%   74,739    6.5%
Tier 1 Capital   143,202    12.45%   97,736    8.5%   91,987    8.0%
Total Risk Based Capital   155,944    13.56%   120,732    10.5%   114,983    10.0%
                               
As of December 31, 2024                              
Leverage  $140,523    9.10%  $61,770    4.0%  $77,213    5.0%
Common Equity Tier 1 Capital   140,523    12.43%   79,146    7.0%   73,493    6.5%
Tier 1 Capital   140,523    12.43%   96,106    8.5%   99,453    8.0%
Total Risk Based Capital   152,987    13.53%   118,719    10.5%   113,066    10.0%

 

(1) The required ratios for capital adequacy purposes include a capital conservation buffer of 2.5%.