Minimum

To Be Well

Minimum

Capitalized Under

For Capital

Prompt Corrective

Actual

Adequacy Purposes:

Action Provisions:

Amount

Ratio

Amount

Ratio

Amount

Ratio

(Dollars in thousands)

As of March 31, 2021:

Total capital (to risk-weighted assets):

Consolidated

$

188,352

13.82

%

$

108,998

8.00

%

N/A

Bank

180,839

13.30

108,794

8.00

$

135,993

10.00

%

Tier 1 capital (to risk-weighted assets):

Consolidated

$

151,517

11.12

%

$

81,748

6.00

%

N/A

Bank

163,835

12.05

81,596

6.00

$

108,794

8.00

%

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

Consolidated

$

151,517

11.12

%

$

61,311

4.50

%

N/A

Bank

163,835

12.05

61,197

4.50

$

88,395

6.50

%

Tier 1 capital (to average adjusted total assets):

Consolidated

$

151,517

9.36

%

$

64,719

4.00

%

N/A

Bank

163,835

10.22

64,103

4.00

$

80,129

5.00

%

As of September 30, 2020:

Total capital (to risk-weighted assets):

Consolidated

$

168,617

13.37

%

$

100,929

8.00

%

N/A

Bank

160,452

12.75

100,672

8.00

$

125,840

10.00

%

Tier 1 capital (to risk-weighted assets):

Consolidated

$

133,520

10.58

%

$

75,697

6.00

%

N/A

Bank

145,152

11.53

75,504

6.00

$

100,672

8.00

%

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

Consolidated

$

133,520

10.58

%

$

56,773

4.50

%

N/A

Bank

145,152

11.53

56,428

4.50

$

81,796

6.50

%

Tier 1 capital (to average adjusted total assets):

Consolidated

$

133,520

8.53

%

$

62,617

4.00

%

N/A

Bank

145,152

9.37

61,966

4.00

$

77,458

5.00

%