Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.10% | +0.49 | 0.61% |
| Return on Equity (%) | ▲ | 11.77% | +4.57 | 7.20% |
| Net Interest Margin (%) | ▲ | 4.37% | +0.64 | 3.74% |
| Efficiency Ratio (%) | ▲ | 68.10% | -9.28 | 77.39% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.20 | $0 |
| Cost of Funds (%) | ▲ | 1.34% | -0.16 | 1.50% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $175 | +6.22 | $169 |
| Gross Loans ($M) | ▲ | $125 | +7.93 | $117 |
| Loan Growth YoY (%) | ▲ | 82.73% | +0.94 | 81.79% |
| Total Deposits ($M) | ▲ | $149 | +7.57 | $142 |
| Shareholders Equity ($M) | ▲ | $16 | +1.26 | $15 |
| Tang. Book Value ($M) | ▲ | $16 | +1.26 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +1.27 | $17 |
| Loan / Deposit Ratio (%) | ▲ | 82.73% | +0.94 | 81.79% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.71% | -0.43 | 1.14% |
| Allowance / Loans (%) | — | 1.02% | 0.21% | 0.81% |
| Net Charge-Off Ratio (%) | ▲ | 0.91% | -0.55 | 1.46% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 16.26% | -0.18 | 16.44% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▄▅██ | Net Interest Margin (%) | 3.34% | 3.40% | 3.61% | 3.74% | 3.82% | 3.92% | 4.35% | 4.37% |
| ▁▁▃▃▃▃██ | Return on Assets (%) | 0.45% | 0.43% | 0.65% | 0.61% | 0.67% | 0.61% | 1.15% | 1.10% |
| ██▆▅▄▅▁▁ | Efficiency Ratio (%) | 82.8% | 83.8% | 78.4% | 77.4% | 74.5% | 75.7% | 66.8% | 68.1% |
| █▅█▇▆▄▁▂ | Cost of Funds (%) | 1.51% | 1.44% | 1.53% | 1.50% | 1.47% | 1.40% | 1.31% | 1.34% |
| ▇▇██▂▂▄▁ | NPA / Assets (%) | 1.07% | 1.07% | 1.10% | 1.14% | 0.80% | 0.79% | 0.90% | 0.71% |
| ██▆▇▃▂▄▁ | Net Charge-Off Ratio (%) | 1.57% | 1.61% | 1.44% | 1.46% | 1.12% | 1.07% | 1.21% | 0.91% |
| ▄▁▃▅▇▇██ | Tang. Book Value ($M) | $15 | $14 | $15 | $15 | $16 | $16 | $16 | $16 |
| ▁▁▁▃▁▅▆█ | Gross Loans ($M) | $114 | $114 | $114 | $117 | $113 | $119 | $121 | $125 |
| ▁▅▂▂▄▆▆█ | Total Deposits ($M) | $140 | $146 | $142 | $142 | $144 | $147 | $147 | $149 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 16% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 5% |