The Company’s and Bank’s actual capital amounts and ratios are presented in the following table.


	Actual				For Capital Adequacy Purposes				To Be Well Capitalized Under Prompt Corrective Action Provisions
(dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
As of December 31, 2024
Tier 1 Leverage Ratio (tier 1 capital to average assets):
Company	$	2,729,727	10.74	%	$	1,016,543	4.00	%			—N/A—
Bank	$	2,834,667	11.17	%	$	1,015,484	4.00	%	$	1,269,354	5.00	%
CET1 Ratio (common equity tier 1 capital to risk weighted assets):
Company	$	2,729,727	12.65	%	$	1,510,315	7.00	%			—N/A—
Bank	$	2,834,667	13.15	%	$	1,509,040	7.00	%	$	1,401,251	6.50	%
Tier 1 Capital Ratio (tier 1 capital to risk weighted assets):
Company	$	2,729,727	12.65	%	$	1,833,954	8.50	%			—N/A—
Bank	$	2,834,667	13.15	%	$	1,832,406	8.50	%	$	1,724,617	8.00	%
Total Capital Ratio (total capital to risk weighted assets):
Company	$	3,316,661	15.37	%	$	2,265,473	10.50	%			—N/A—
Bank	$	3,179,067	14.75	%	$	2,263,560	10.50	%	$	2,155,771	10.00	%

As of December 31, 2023
Tier 1 Leverage Ratio (tier 1 capital to average assets):
Company	$	2,417,341	9.93	%	$	974,053	4.00	%			—N/A—
Bank	$	2,600,274	10.69	%	$	973,023	4.00	%	$	1,216,279	5.00	%
CET1 Ratio (common equity tier 1 capital to risk weighted assets):
Company	$	2,417,341	11.23	%	$	1,506,241	7.00	%			—N/A—
Bank	$	2,600,274	12.09	%	$	1,505,318	7.00	%	$	1,397,795	6.50	%
Tier 1 Capital Ratio (tier 1 capital to risk weighted assets):
Company	$	2,417,341	11.23	%	$	1,829,007	8.50	%			—N/A—
Bank	$	2,600,274	12.09	%	$	1,827,886	8.50	%	$	1,720,363	8.00	%
Total Capital Ratio (total capital to risk weighted assets):
Company	$	3,110,025	14.45	%	$	2,259,362	10.50	%			—N/A—
Bank	$	2,944,480	13.69	%	$	2,257,977	10.50	%	$	2,150,454	10.00	%