Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.71% | +0.24 | 1.47% |
| Return on Equity (%) | ▲ | 11.75% | +1.28 | 10.47% |
| Net Interest Margin (%) | ▲ | 3.85% | +0.29 | 3.56% |
| Efficiency Ratio (%) | ▲ | 40.95% | -4.27 | 45.22% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.35 | $2 |
| Cost of Funds (%) | ▲ | 1.34% | -0.10 | 1.44% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $359 | +15.27 | $344 |
| Gross Loans ($M) | ▲ | $318 | +14.02 | $304 |
| Loan Growth YoY (%) | ▲ | 122.13% | +5.70 | 116.43% |
| Total Deposits ($M) | ▼ | $257 | -0.55 | $258 |
| Shareholders Equity ($M) | ▲ | $52 | +3.79 | $49 |
| Tang. Book Value ($M) | ▲ | $52 | +3.79 | $49 |
| Loan / Deposit Ratio (%) | ▲ | 122.13% | +5.70 | 116.43% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.03% | +0.03 | 0.00% |
| Allowance / Loans (%) | — | 1.26% | -0.05% | 1.31% |
| Net Charge-Off Ratio (%) | ▼ | 0.03% | +0.03 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▂▁▃▄▅██ | Net Interest Margin (%) | 3.52% | 3.53% | 3.47% | 3.56% | 3.63% | 3.67% | 3.80% | 3.85% |
| ▂▂▁▂▄▅▇█ | Return on Assets (%) | 1.49% | 1.49% | 1.42% | 1.47% | 1.56% | 1.57% | 1.67% | 1.71% |
| ████▄▄▂▁ | Efficiency Ratio (%) | 45.2% | 45.2% | 45.5% | 45.2% | 43.0% | 43.1% | 41.6% | 41.0% |
| ▃▃▇▅██▄▁ | Cost of Funds (%) | 1.40% | 1.40% | 1.50% | 1.44% | 1.53% | 1.52% | 1.42% | 1.34% |
| ▁▁▁▁▁▁▁█ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% |
| ▁▁▁▁▁▁▁█ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% |
| ▁▁▃▃▅▆██ | Tang. Book Value ($M) | $46 | $47 | $48 | $49 | $50 | $50 | $52 | $52 |
| ▁▂▂▄▇▇▇█ | Gross Loans ($M) | $294 | $300 | $300 | $304 | $313 | $315 | $314 | $318 |
| ▆▄▁▄▅█▄▄ | Total Deposits ($M) | $263 | $257 | $250 | $258 | $260 | $268 | $258 | $257 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 98% |
| C&I / Commercial | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 7% |