Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.05% | +0.36 | 0.68% |
| Return on Equity (%) | ▲ | 9.44% | +2.64 | 6.80% |
| Net Interest Margin (%) | ▲ | 4.25% | +0.54 | 3.71% |
| Efficiency Ratio (%) | ▲ | 70.92% | -10.53 | 81.45% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.20 | $0 |
| Cost of Funds (%) | ▲ | 1.18% | -0.07 | 1.24% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $135 | -6.55 | $141 |
| Gross Loans ($M) | ▼ | $86 | -4.88 | $91 |
| Loan Growth YoY (%) | ▲ | 72.71% | +0.44 | 72.27% |
| Total Deposits ($M) | ▼ | $118 | -7.52 | $125 |
| Shareholders Equity ($M) | ▲ | $15 | +0.94 | $15 |
| Tang. Book Value ($M) | ▲ | $15 | +0.94 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +1.11 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 72.71% | +0.44 | 72.27% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.23% | -0.31 | 0.53% |
| Allowance / Loans (%) | — | 0.97% | 0.09% | 0.88% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.04 | 0.04% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▅▅██ | Net Interest Margin (%) | 3.44% | 3.47% | 3.58% | 3.71% | 3.85% | 3.94% | 4.15% | 4.25% |
| ▁▁▆▅▆▆█▇ | Return on Assets (%) | 0.04% | 0.07% | 0.84% | 0.68% | 0.89% | 0.87% | 1.20% | 1.05% |
| ██▆▇▃▃▁▁ | Efficiency Ratio (%) | 84.2% | 84.9% | 80.6% | 81.5% | 75.5% | 74.6% | 70.5% | 70.9% |
| ██▄▃▁▂▁▁ | Cost of Funds (%) | 1.39% | 1.42% | 1.26% | 1.24% | 1.16% | 1.18% | 1.14% | 1.18% |
| █▄▇▅▇▅▂▁ | NPA / Assets (%) | 0.77% | 0.47% | 0.68% | 0.53% | 0.65% | 0.53% | 0.33% | 0.23% |
| █▁▄▁▃▄▁▁ | Net Charge-Off Ratio (%) | 0.83% | 0.04% | 0.39% | 0.04% | 0.27% | 0.34% | 0.01% | 0.00% |
| ▄▁▃▄████ | Tang. Book Value ($M) | $14 | $14 | $14 | $15 | $15 | $15 | $15 | $15 |
| █▆▅▅▅▃▂▁ | Gross Loans ($M) | $95 | $93 | $91 | $91 | $91 | $89 | $88 | $86 |
| █▄▇▆█▆▆▁ | Total Deposits ($M) | $128 | $121 | $126 | $125 | $128 | $124 | $124 | $118 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 92% |
| C&I / Commercial | 6% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 6% |