Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.92% | -0.11 | 1.02% |
| Return on Equity (%) | ▼ | 24.94% | -31.67 | 56.61% |
| Net Interest Margin (%) | ▼ | 3.27% | -0.09 | 3.36% |
| Efficiency Ratio (%) | ▼ | 73.65% | +1.07 | 72.58% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.07 | $0 |
| Cost of Funds (%) | ▲ | 1.55% | -0.10 | 1.65% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $148 | +15.19 | $133 |
| Gross Loans ($M) | ▲ | $47 | +3.72 | $44 |
| Loan Growth YoY (%) | ▼ | 34.24% | -0.27 | 34.51% |
| Total Deposits ($M) | ▲ | $136 | +11.76 | $125 |
| Shareholders Equity ($M) | ▲ | $6 | +4.00 | $2 |
| Tang. Book Value ($M) | ▲ | $6 | +4.00 | $2 |
| TBV excl. AOCI ($M)** | ▲ | $10 | +4.82 | $6 |
| Loan / Deposit Ratio (%) | ▼ | 34.24% | -0.27 | 34.51% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.03 | 0.03% |
| Allowance / Loans (%) | — | 1.45% | -0.06% | 1.50% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.10 | 0.10% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 25.11% | +0.35 | 24.76% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▂▄▂▁▁▁ | Net Interest Margin (%) | 3.50% | 3.49% | 3.29% | 3.36% | 3.31% | 3.29% | 3.26% | 3.27% |
| ▁▄▂██▁▅▂ | Return on Assets (%) | 0.89% | 0.95% | 0.91% | 1.02% | 1.04% | 0.90% | 0.97% | 0.92% |
| █▆▅▂▁▃▂▄ | Efficiency Ratio (%) | 76.2% | 74.5% | 74.0% | 72.6% | 71.6% | 73.0% | 72.5% | 73.6% |
| ▁▅▄█▇▆▅▅ | Cost of Funds (%) | 1.42% | 1.56% | 1.51% | 1.65% | 1.60% | 1.59% | 1.55% | 1.55% |
| ███▁▁▁▁▁ | NPA / Assets (%) | 0.45% | 0.48% | 0.44% | 0.03% | 0.03% | 0.03% | 0.00% | 0.00% |
| ██▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 1.49% | 1.47% | 0.11% | 0.10% | 0.08% | 0.08% | 0.00% | 0.00% |
| ▇▂▁▁▆█▅█ | Tang. Book Value ($M) | $6 | $3 | $2 | $2 | $5 | $6 | $4 | $6 |
| ▁▃▁▃▇███ | Gross Loans ($M) | $41 | $43 | $42 | $44 | $46 | $47 | $47 | $47 |
| ▂▁▆▂▁▃▇█ | Total Deposits ($M) | $124 | $122 | $132 | $125 | $123 | $127 | $133 | $136 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 8% |
| Consumer | 6% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 3% |