Regulatory Requirements

Minimum for Capital

Minimum to Be

Actual

Adequacy Purposes⁽¹⁾

Well Capitalized

Amount

Ratio

Amount

Ratio

Amount

Ratio

Provident Savings Bank, F.S.B.:

As of June 30, 2025

Tier 1 leverage capital (to adjusted average assets)

$

125,198

10.11

%

$

49,536

4.00

%

$

61,921

5.00

%

CET1 capital (to risk-weighted assets)

$

125,198

19.50

%

$

44,941

7.00

%

$

41,731

6.50

%

Tier 1 capital (to risk-weighted assets)

$

125,198

19.50

%

$

54,571

8.50

%

$

51,361

8.00

%

Total capital (to risk-weighted assets)

$

131,654

20.51

%

$

67,411

10.50

%

$

64,201

10.00

%

As of June 30, 2024⁽²⁾

Tier 1 leverage capital (to adjusted average assets)

$

126,601

10.02

%

$

50,555

4.00

%

$

63,194

5.00

%

CET1 capital (to risk-weighted assets)

$

126,601

19.29

%

$

45,934

7.00

%

$

42,653

6.50

%

Tier 1 capital (to risk-weighted assets)

$

126,601

19.29

%

$

55,777

8.50

%

$

52,496

8.00

%

Total capital (to risk-weighted assets)

$

133,723

20.38

%

$

68,900

10.50

%

$

65,620

10.00

%