Minimum To Be Well

Minimum

Capitalized Under

for Capital

Prompt Corrective

Actual

Adequacy Purposes

Action Provisions

(Dollars in thousands)

Amount

Ratio

Amount

Ratio

Amount

Ratio

As of September 30, 2024

Total capital (to risk-weighted assets):

Consolidated

$

244,214

12.53

%

$

155,976

8.00

%

N/A

Bank

242,041

12.42

155,946

8.00

$

194,932

10.00

%

Tier 1 capital (to risk-weighted assets):

Consolidated

$

179,325

9.20

%

$

116,982

6.00

%

N/A

Bank

221,755

11.38

116,959

6.00

$

155,946

8.00

%

Common equity tier 1 capital (to risk-weighted assets):

Consolidated

$

179,325

9.20

%

$

87,737

4.50

%

N/A

Bank

221,755

11.38

87,720

4.50

$

126,706

6.50

%

Tier 1 capital (to average adjusted total assets):

Consolidated

$

179,325

7.42

%

$

96,607

4.00

%

N/A

Bank

221,755

9.18

96,590

4.00

$

120,737

5.00

%

As of September 30, 2023:

Total capital (to risk-weighted assets):

Consolidated

$

230,735

11.47

%

$

160,965

8.00

%

N/A

Bank

226,461

11.27

160,822

8.00

$

201,027

10.00

%

Tier 1 capital (to risk-weighted assets):

Consolidated

$

165,391

8.22

%

$

120,724

6.00

%

N/A

Bank

209,561

10.42

120,616

6.00

$

160,822

8.00

%

Common equity tier 1 capital (to risk-weighted assets):

Consolidated

$

165,391

8.22

%

$

90,543

4.50

%

N/A

Bank

209,561

10.42

90,462

4.50

$

130,668

6.50

%

Tier 1 capital (to average adjusted total assets):

Consolidated

$

165,391

7.24

%

$

91,375

4.00

%

N/A

Bank

209,561

9.17

91,406

4.00

$

114,257

5.00

%