Regulatory Capital (Tables)

12 Months Ended

Dec. 31, 2025

Schedule of Compliance with Regulatory Capital Requirements

In addition, the following table shows that, at December 31, 2025 and December 31, 2024, the Bank’s capital exceeded all applicable regulatory capital requirements as set forth in 12 C.F.R. § 324.


(Dollars in thousands)	Actual				Minimum Required For Capital Adequacy Purposes				Minimum Required To Be Well Capitalized Under Prompt Corrective Action Regulations
December 31, 2025	Amount		Ratio		Amount		Ratio		Amount		Ratio
Common equity tier 1 capital to risk-weighted assets	$	186,214	11.86	%	$	70,626	4.50	%	$	102,016	6.50	%
Tier 1 capital to risk-weighted assets	$	186,214	11.86	%	$	94,168	6.00	%	$	125,558	8.00	%
Total capital to risk-weighted assets	$	205,472	13.09	%	$	125,558	8.00	%	$	156,947	10.00	%
Tier 1 leverage ratio	$	186,214	8.93	%	$	83,379	4.00	%	$	104,223	5.00	%


(Dollars in thousands)	Actual				Minimum Required For Capital Adequacy Purposes				Minimum Required To Be Well Capitalized Under Prompt Corrective Action Regulations
December 31, 2024	Amount		Ratio		Amount		Ratio		Amount		Ratio
Common equity tier 1 capital to risk-weighted assets	$	179,625	11.26	%	$	71,771	4.50	%	$	103,670	6.50	%
Tier 1 capital to risk-weighted assets	$	179,625	11.26	%	$	95,695	6.00	%	$	127,594	8.00	%
Total capital to risk-weighted assets	$	194,499	12.19	%	$	127,594	8.00	%	$	159,492	10.00	%
Tier 1 leverage ratio	$	179,625	8.47	%	$	84,854	4.00	%	$	106,068	5.00	%