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Regulatory Capital Requirements

3 Months Ended

Mar. 31, 2026

Note 10 – Regulatory Capital Requirements

The following table presents the Bank’s capital ratios as of March 31, 2026 and December 31, 2025.


	March 31, 2026		December 31, 2025		Required for Capital Adequacy Purposes		Required to be Well Capitalized
Total Capital (to risk-weighted assets)	15.37	%	15.19	%	8.00	%	10.00	%
Tier 1 Capital (to risk-weighted assets)	14.12	%	13.94	%	6.00	%	8.00	%
Common Equity Tier 1 Capital (to risk-weighted assets)	14.12	%	13.94	%	4.50	%	6.50	%
Tier 1 Capital (to average assets)	11.13	%	11.01	%	4.00	%	5.00	%

As of March 31, 2026 and December 31, 2025, 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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