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Regulatory Capital Requirements

9 Months Ended

Sep. 30, 2025

Note 10 – Regulatory Capital Requirements

The following table presents the Bank’s capital ratios as of September 30, 2025 and December 31, 2024.


	September 30, 2025		December 31, 2024		Required for Capital Adequacy Purposes		Required to be Well Capitalized
Total Capital (to risk-weighted assets)	15.42	%	14.59	%	8.00	%	10.00	%
Tier 1 Capital (to risk-weighted assets)	14.17	%	13.35	%	6.00	%	8.00	%
Common Equity Tier 1 Capital (to risk-weighted assets)	14.17	%	13.35	%	4.50	%	6.50	%
Tier 1 Capital (to average assets)	10.91	%	10.70	%	4.00	%	5.00	%

As of September 30, 2025 and December 31, 2024, the Bank was considered “well capitalized” under the regulatory framework for prompt corrective action.

- Definition

The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.

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