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Regulatory Capital Requirements (Tables)
 6 Months Ended
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:

  

           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:

   

               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%.