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Regulatory Capital Requirements (Tables)
6 Months Ended
Jun. 30, 2025
Regulatory Capital Requirements Under Banking Regulations [Abstract]  
Schedule of Bank Actual and Required Capital Amounts and Ratios

The following table presents actual and required capital ratios as of June 30, 2025 and December 31, 2024 under the Basel III Capital Rules. Bank capital levels required to be considered well capitalized are based upon prompt corrective action regulations.

 

 

 

June 30, 2025

 

 

December 31, 2024

 

(Dollars in Thousands)

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

Total capital

 

 

 

 

 

 

 

 

 

 

 

 

(to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

Actual

 

$

307,222

 

 

 

12.43

%

 

$

282,736

 

 

 

11.55

%

For capital adequacy purposes

 

 

197,757

 

 

 

8.00

 

 

 

195,914

 

 

 

8.00

 

To be well capitalized

 

 

247,196

 

 

 

10.00

 

 

 

244,892

 

 

 

10.00

 

Tier 1 capital

 

 

 

 

 

 

 

 

 

 

 

 

(to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

Actual

 

$

284,441

 

 

 

11.51

%

 

$

263,058

 

 

 

10.74

%

For capital adequacy purposes

 

 

148,318

 

 

 

6.00

 

 

 

146,935

 

 

 

6.00

 

To be well capitalized

 

 

197,757

 

 

 

8.00

 

 

 

195,914

 

 

 

8.00

 

Common equity

 

 

 

 

 

 

 

 

 

 

 

 

(to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

Actual

 

$

284,441

 

 

 

11.51

%

 

$

263,058

 

 

 

10.74

%

For capital adequacy purposes

 

 

111,238

 

 

 

4.50

 

 

 

110,201

 

 

 

4.50

 

To be well capitalized

 

 

160,678

 

 

 

6.50

 

 

 

159,180

 

 

 

6.50

 

Tier 1 capital

 

 

 

 

 

 

 

 

 

 

 

 

(to average assets)

 

 

 

 

 

 

 

 

 

 

 

 

Actual

 

$

284,441

 

 

 

10.34

%

 

$

263,058

 

 

 

9.49

%

For capital adequacy purposes

 

 

110,056

 

 

 

4.00

 

 

 

110,867

 

 

 

4.00

 

To be well capitalized

 

 

137,569

 

 

 

5.00

 

 

 

138,584

 

 

 

5.00