Company: GDOT
Filing Date: 2025-05-12
Form Type: 10-Q
Source: 0001386278-25-000034
Chunk: 113

Company: GREEN DOT CORP
Filing Date: 2025-05-12
Form: 10-Q
Item: Part I, Item 1
Chunk 113
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 thousands, except ratios)Green Dot Corporation:Tier 1 leverage$792,797 15.1 %4.0 %n/aCommon equity Tier 1 capital$792,797 43.2 %4.5 %n/aTier 1 capital $792,797 43.2 %6.0 %6.0 %Total risk-based capital$819,276 44.6 %8.0 %10.0 %Green Dot Bank:Tier 1 leverage$388,585 7.6 %4.0 %5.0 %Common equity Tier 1 capital$388,585 29.2 %4.5 %6.5 %Tier 1 capital$388,585 29.2 %6.0 %8.0 %Total risk-based capital$395,390 29.7 %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 %

41

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