Company: GDOT
Filing Date: 2025-08-11
Form Type: 10-Q
Source: 0001386278-25-000064
Chunk: 200

Company: GREEN DOT CORP
Filing Date: 2025-08-11
Form: 10-Q
Item: Part I, Item 8
Chunk 200
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 %4.0 %n/aCommon equity Tier 1 capital$760,052 46.4 %4.5 %n/aTier 1 capital $760,052 46.4 %6.0 %6.0 %Total risk-based capital$786,731 48.1 %8.0 %10.0 %Green Dot Bank:Tier 1 leverage$406,732 7.7 %4.0 %5.0 %Common equity Tier 1 capital$406,732 35.0 %4.5 %6.5 %Tier 1 capital$406,732 35.0 %6.0 %8.0 %Total risk-based capital$414,431 35.7 %8.0 %10.0 %December 31, 2024AmountRatioRegulatory Minimum"Well-capitalized" Minimum(In thousands, except ratios)Green Dot Corporation:Tier 1 leverage$760,571 15.0 %4.0 %n/aCommon equity Tier 1 capital$760,571 42.6 %4.5 %n/aTier 1 capital$760,571 42.6 %6.0 %6.0 %Total risk-based capital$782,207 43.8 %8.0 %10.0 %Green Dot Bank:Tier 1 leverage$362,697 7.3 %4.0 %5.0 %Common equity Tier 1 capital$362,697 28.2 %4.5 %6.5 %Tier 1 capital$362,697 28.2 %6.0 %8.0 %Total risk-based capital$370,207 28.8 %8.0 %10.0 %

47

ITEM 3. Quantitative and Qualitative Disclosures about Market Risk

Market risk is the potential for economic losses from changes in market factors such as foreign currency exchange rates, credit, interest rates and equity prices. We believe that we have limited exposure to risks associated with changes in foreign currency exchange rates, interest rates and equity prices. We have no significant foreign operations. We do not hold or enter into derivatives or other financial instruments for trading or speculative purposes.

Interest rates

While operating net interest income is a meaningful component to our consolidated operating results, we