Minimum

Required to be

Capital Required

Considered Well

Actual

Basel III

Capitalized

(Dollars in thousands)

Amount

Ratio

Amount

Ratio

Amount

Ratio

September 30, 2022

Common Equity Tier 1 to Risk-Weighted Assets:

Consolidated

$ 487,717

14.05%

$ 243,053

7.00%

N/A

Bank Only

$ 479,175

13.81%

$ 242,969

7.00%

$ 225,614

6.50%

Tier 1 Capital to Risk-Weighted Assets:

Consolidated

$ 487,717

14.05%

$ 295,135

8.50%

N/A

Bank Only

$ 479,175

13.81%

$ 295,034

8.50%

$ 277,679

8.00%

Total Capital to Risk-Weighted Assets:

Consolidated

$ 524,112

15.09%

$ 364,579

10.50%

N/A

Bank Only

$ 515,570

14.85%

$ 364,454

10.50%

$ 347,099

10.00%

Tier 1 Leverage Capital to Average Assets:

Consolidated

$ 487,717

11.42%

$ 170,891

4.00%

N/A

Bank Only

$ 479,175

11.22%

$ 170,856

4.00%

$ 213,570

5.00%

December 31, 2021

Common Equity Tier 1 to Risk-Weighted Assets:

Consolidated

$ 475,154

15.31%

$ 217,300

7.00%

N/A

Bank Only

$ 447,819

14.43%

$ 217,270

7.00%

$ 201,757

6.50%

Tier 1 Capital to Risk-Weighted Assets:

Consolidated

$ 475,154

15.31%

$ 263,864

8.50%

N/A

Bank Only

$ 447,819

14.43%

$ 263,836

8.50%

$ 248,316

8.00%

Total Capital to Risk-Weighted Assets:

Consolidated

$ 509,766

16.42%

$ 325,950

10.50%

N/A

Bank Only

$ 482,431

15.54%

$ 325,915

10.50%

$ 310,395

10.00%

Tier 1 Leverage Capital to Average Assets:

Consolidated

$ 475,154

11.22%

$ 169,470

4.00%

N/A

Bank Only

$ 447,819

10.58%

$ 169,381

4.00%

$ 211,726

5.00%