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Regulatory Capital Requirements (Tables)
 9 Months Ended
Sep. 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 September 30, 2025 and December 31, 2024:

  

(Dollars in thousands)            
           For capital 
   Actual   adequacy purposes 
   Amount   Ratio   Amount   Ratio (1) 
As of September 30, 2025                
Leverage  $150,556    9.44%  $63,762    4.0%
Common Equity Tier 1 Capital   129,556    11.13%   81,466    7.0%
Tier 1 Capital   150,556    12.94%   98,923    8.5%
Total Risk Based Capital   162,795    13.99%   122,199    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 September 30, 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 September 30, 2025                        
Leverage  $149,409    9.40%  $63,566    4.0%  $79,457    5.0%
Common Equity Tier 1 Capital   149,409    12.84%   81,466    7.0%   75,647    6.5%
Tier 1 Capital   149,409    12.84%   98,923    8.5%   93,104    8.0%
Total Risk Based Capital   161,648    13.89%   122,199    10.5%   116,380    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%.