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v3.25.2

Regulatory Capital Requirements (Tables) | 6 Months Ended
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Jun. 30, 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 June 30, 2025 and December 31, 2024: Schedule of Compliance with Regulatory Capital Requirements for Mortgage Companies
|  |  |  |  |  |  |  | For capital |
|  | Actual |  |  | adequacy purposes |
(Dollars in thousands) |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio (1) |
As of June 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Leverage |  | $ | 146,600 |  |  |  | 9.32 | % |  | $ | 62,904 |  |  |  | 4.0 | %
Common Equity Tier 1 Capital |  |  | 125,600 |  |  |  | 10.57 | % |  |  | 83,178 |  |  |  | 7.0 | %
Tier 1 Capital |  |  | 146,600 |  |  |  | 12.34 | % |  |  | 101,002 |  |  |  | 8.5 | %
Total Risk Based Capital |  |  | 160,302 |  |  |  | 13.49 | % |  |  | 124,767 |  |  |  | 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 June 30, 2025 and December 31, 2024: Schedule of Compliance with Regulatory Capital Requirements Under Banking Regulations
|  |  |  |  |  |  |  |  |  |  | To be well-capitalized |
|  |  |  |  |  |  |  |  |  |  | under prompt |
|  |  |  |  | For capital |  |  | corrective |
|  | Actual |  |  | adequacy purposes |  |  | action provisions |
(Dollars in thousands) |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio (1) |  |  | Amount |  |  | Ratio |
As of June 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Leverage |  | $ | 146,219 |  |  |  | 9.33 | % |  | $ | 62,710 |  |  |  | 4.0 | % |  | $ | 78,388 |  |  |  | 5.0 | %
Common Equity Tier 1 Capital |  |  | 146,219 |  |  |  | 12.31 | % |  |  | 83,132 |  |  |  | 7.0 | % |  |  | 77,194 |  |  |  | 6.5 | %
Tier 1 Capital |  |  | 146,219 |  |  |  | 12.31 | % |  |  | 100,946 |  |  |  | 8.5 | % |  |  | 95,008 |  |  |  | 8.0 | %
Total Risk Based Capital |  |  | 159,921 |  |  |  | 13.47 | % |  |  | 124,697 |  |  |  | 10.5 | % |  |  | 118,760 |  |  |  | 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%.

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- Definition Tabular disclosure of required and actual net worth amounts for mortgage banking as defined by regulatory framework. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 948 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481586/948-10-50-5 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 948 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 3 -Subparagraph (c)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481586/948-10-50-3 Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 948 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481586/948-10-50-5 Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 948 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Subparagraph (c) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481586/948-10-50-5 + Details
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- Definition Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1B -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1B + Details
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