Actual

Minimun Capital Requirement

Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions

(Dollars in thousands)

Amount

Ratio

Amount

Ratio

Amount

Ratio

December 31, 2025:

Total Capital to Risk Weighted Assets

$ 110,354

16.51%

$ 53,467

8.00%

$ 66,834

10.00%

Tier 1 Capital to Risk Weighted Assets

101,997

15.26%

40,100

6.00%

53,467

8.00%

Tier 1 Capital to Average Assets

101,997

10.93%

37,344

4.00%

46,680

5.00%

Common Equity Tier 1 Capital to Risk Weighted Assets

101,997

15.26%

30,075

4.50%

43,442

6.50%

December 31, 2024:

Total Capital to Risk Weighted Assets

$ 101,769

16.19%

$ 50,300

8.00%

$ 62,875

10.00%

Tier 1 Capital to Risk Weighted Assets

93,907

14.94%

37,725

6.00%

50,300

8.00%

Tier 1 Capital to Average Assets

93,907

10.70%

35,113

4.00%

43,892

5.00%

Common Equity Tier 1 Capital to Risk Weighted Assets

93,907

14.94%

28,294

4.50%

40,869

6.50%