Company: BWFG
Filing Date: 2025-08-06
Form Type: 10-Q
Source: 0001505732-25-000126
Chunk: 46

Company: Bankwell Financial Group, Inc.
Filing Date: 2025-08-06
Form: 10-Q
Item: Part I, Item 1
Chunk 46
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 30, 2025, the Bank and Company met all capital adequacy requirements to which they are subject. There are no conditions or events since then that management believes have changed this conclusion.

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The capital amounts and ratios for the Bank and the Company at June 30, 2025 and December 31, 2024 were as follows:Minimum Regulatory Capital Required for Capital Adequacy plus Capital Conservation BufferMinimum Regulatory Capital to be Well Capitalized Under Prompt Corrective Action ProvisionsActual Capital(Dollars in thousands)AmountRatioAmountRatioAmountRatioBankwell BankJune 30, 2025Common Equity Tier 1 Capital to Risk-Weighted Assets$336,061 12.20 %$192,868 7.00 %$179,091 6.50 %Tier I Capital to Risk-Weighted Assets336,061 12.20 %234,196 8.50 %220,420 8.00 %Total Capital to Risk-Weighted Assets365,917 13.28 %289,301 10.50 %275,525 10.00 %Tier I Capital to Average Assets336,061 10.57 %127,136 4.00 %158,920 5.00 %Minimum Regulatory Capital Required for Capital Adequacy Minimum Regulatory Capital to be Well Capitalized Under Prompt Corrective Action ProvisionsActual CapitalAmountRatioAmountRatioAmountRatioBankwell Financial Group, Inc.June 30, 2025Common Equity Tier 1 Capital to Risk-Weighted Assets$281,024 10.18 %$124,256 4.50 %$179,481 6.50 %Tier I Capital to Risk-Weighted Assets281,024 10.18 %165,675 6.00 %220,899 8.00 %Total Capital to Risk-Weighted Assets380,454 13.78 %220,899 8.00 %276,124 10.00 %Tier I Capital to Average Assets281,024 8.81 %127,559 4.00 %159,449 5.00 %

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Minimum Regulatory Capital Required for Capital Adequacy plus Capital Conservation BufferMinimum Regulatory Capital to be Well Capitalized Under Prompt Corrective Action ProvisionsActual Capital(Dollars in thousands)AmountRatioAmountRatioAmountRatioBankwell BankDecember 31