Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.47% | +0.35 | 1.12% |
| Return on Equity (%) | ▲ | 10.19% | +1.83 | 8.36% |
| Net Interest Margin (%) | ▲ | 4.79% | +0.35 | 4.43% |
| Efficiency Ratio (%) | ▲ | 55.30% | -6.09 | 61.39% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.00 | $1 |
| Cost of Funds (%) | ▲ | 0.77% | -0.16 | 0.92% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $136 | +3.10 | $133 |
| Gross Loans ($M) | ▼ | $79 | -0.99 | $80 |
| Loan Growth YoY (%) | ▼ | 66.11% | -2.11 | 68.22% |
| Total Deposits ($M) | ▲ | $116 | +1.93 | $115 |
| Shareholders Equity ($M) | ▲ | $20 | +1.21 | $18 |
| Tang. Book Value ($M) | ▲ | $20 | +1.21 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $22 | +1.45 | $20 |
| Loan / Deposit Ratio (%) | ▼ | 66.11% | -2.11 | 68.22% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 2.29% | -0.32 | 2.61% |
| Allowance / Loans (%) | — | 2.32% | 0.21% | 2.11% |
| Net Charge-Off Ratio (%) | ▲ | 3.86% | -0.50 | 4.36% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▂▁▄▄▄█▇ | Net Interest Margin (%) | 4.19% | 4.19% | 4.04% | 4.43% | 4.46% | 4.50% | 4.99% | 4.79% |
| ▁▂▁▄▃▃█▇ | Return on Assets (%) | 0.84% | 0.94% | 0.89% | 1.12% | 1.03% | 1.10% | 1.58% | 1.47% |
| ███▅▇▆▁▁ | Efficiency Ratio (%) | 66.6% | 65.4% | 65.4% | 61.4% | 63.9% | 63.4% | 54.4% | 55.3% |
| ██▆▄▃▂▁▁ | Cost of Funds (%) | 1.14% | 1.16% | 1.04% | 0.92% | 0.87% | 0.84% | 0.79% | 0.77% |
| ▁▆█▇▇▆▄▂ | NPA / Assets (%) | 2.19% | 2.54% | 2.73% | 2.61% | 2.65% | 2.54% | 2.39% | 2.29% |
| ▁▆█▆▆▄▃▂ | Net Charge-Off Ratio (%) | 3.58% | 4.31% | 4.70% | 4.36% | 4.31% | 4.12% | 3.95% | 3.86% |
| ▂▁▃▄▆▇██ | Tang. Book Value ($M) | $18 | $18 | $18 | $18 | $19 | $19 | $20 | $20 |
| ▆▂▁▄▆█▇▁ | Gross Loans ($M) | $80 | $79 | $79 | $80 | $80 | $81 | $80 | $79 |
| ▅██▅▁▅▆█ | Total Deposits ($M) | $115 | $117 | $117 | $115 | $111 | $114 | $115 | $116 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 7% |
| Consumer | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 31% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 8% |