Actual

Minimum Required for Capital Adequacy Purposes

Minimum Required To be Well-Capitalized Under Prompt Corrective Action Provisions

As of September 30, 2025

Amount

Ratio

Amount

Ratio

Amount

Ratio

(Dollars in thousands)

Total Capital (to Risk- Weighted Assets)

$

75,554

17.71

%

$

34,133

8.00

%

$

42,666

10.00

%

Tier 1 Capital (to Risk- Weighted Assets)

$

70,216

16.46

%

$

25,600

6.00

%

$

34,133

8.00

%

Common Equity Tier 1 Capital to Risk-Weighted Assets

$

70,216

16.46

%

$

19,200

4.50

%

$

27,733

6.50

%

Tier 1 Capital (to Average Assets)

$

70,216

14.05

%

$

19,996

4.00

%

$

24,995

5.00

%

As of March 31, 2025

Amount

Ratio

Amount

Ratio

Amount

Ratio

Total Capital (to Risk- Weighted Assets)

$

72,977

17.83

%

$

32,734

8.00

%

$

40,918

10.00

%

Tier 1 Capital (to Risk- Weighted Assets)

$

67,856

16.58

%

$

24,551

6.00

%

$

32,734

8.00

%

Common Equity Tier 1 Capital to Risk-Weighted Assets

$

67,856

16.58

%

$

18,413

4.50

%

$

26,597

6.50

%

Tier 1 Capital (to Average Assets)

$

67,856

13.78

%

$

19,701

4.00

%

$

24,626

5.00

%