| Actual Capital Levels and Minimum Required Levels |
At September 30, 2021 and December 31, 2020, actual capital levels and minimum required levels were (dollars in thousands):
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Minimum
Capital
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Minimum Capital
Adequacy With
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To Be Well
Capitalized Under
Prompt Corrective
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Actual
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Adequacy
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Capital Buffer
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Action Regulations
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Amount
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Ratio
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Amount
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Ratio
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Amount
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Ratio
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Amount
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Ratio
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September 30, 2021
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CET1 capital (to risk weighted assets)
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Consolidated
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$
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250,719
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17.4
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%
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$
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64,714
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4.5
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%
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$
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100,666
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7.0
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%
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N/A
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N/A
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Bank
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242,635
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16.9
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64,703
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4.5
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100,648
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7.0
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$
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93,459
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6.5
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%
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Tier 1 capital (to risk weighted assets)
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Consolidated
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250,719
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17.4
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86,285
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6.0
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122,237
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8.5
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N/A
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N/A
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Bank
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242,635
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16.9
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86,270
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6.0
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122,216
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8.5
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115,027
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8.0
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Total capital (to risk weighted assets)
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Consolidated
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267,251
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18.6
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115,046
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8.0
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150,998
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10.5
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N/A
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N/A
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Bank
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259,167
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18.0
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115,027
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8.0
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150,973
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10.5
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143,783
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10.0
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Tier 1 capital (to average assets)
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Consolidated
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250,719
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8.5
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117,813
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4.0
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N/A
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N/A
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N/A
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N/A
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Bank
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242,635
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8.2
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117,801
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4.0
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N/A
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N/A
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147,251
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5.0
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December 31, 2020
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CET1 capital (to risk weighted assets)
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Consolidated
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$
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235,629
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15.8
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%
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$
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67,170
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4.5
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%
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$
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104,487
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7.0
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%
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N/A
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N/A
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Bank
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248,829
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16.7
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67,161
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4.5
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104,473
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7.0
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$
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97,010
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6.5
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%
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Tier 1 capital (to risk weighted assets)
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Consolidated
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255,629
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17.1
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89,561
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6.0
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126,877
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8.5
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N/A
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N/A
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Bank
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248,829
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16.7
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89,548
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6.0
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126,860
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8.5
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119,397
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8.0
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Total capital (to risk weighted assets)
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Consolidated
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273,037
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18.3
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119,414
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8.0
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156,731
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10.5
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N/A
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N/A
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Bank
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266,237
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17.8
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119,397
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8.0
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156,709
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10.5
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149,247
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10.0
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Tier 1 capital (to average assets)
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Consolidated
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255,629
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9.9
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103,420
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4.0
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N/A
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N/A
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N/A
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N/A
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Bank
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248,829
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9.6
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103,391
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4.0
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N/A
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N/A
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129,238
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5.0
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