Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.73% | +0.26 | 1.47% |
| Return on Equity (%) | ▲ | 16.92% | +0.91 | 16.01% |
| Net Interest Margin (%) | ▲ | 5.20% | +0.39 | 4.80% |
| Efficiency Ratio (%) | ▲ | 55.93% | -3.76 | 59.68% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.05 | $1 |
| Cost of Funds (%) | ▲ | 1.33% | -0.17 | 1.49% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $192 | -2.77 | $195 |
| Gross Loans ($M) | ▼ | $153 | -3.39 | $157 |
| Loan Growth YoY (%) | ▲ | 89.50% | +0.48 | 89.02% |
| Total Deposits ($M) | ▼ | $169 | -4.79 | $174 |
| Shareholders Equity ($M) | ▲ | $20 | +1.84 | $18 |
| Tang. Book Value ($M) | ▲ | $20 | +1.84 | $18 |
| Loan / Deposit Ratio (%) | ▲ | 89.50% | +0.48 | 89.02% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.69% | -0.44 | 1.13% |
| Allowance / Loans (%) | — | 1.20% | 0.07% | 1.12% |
| Net Charge-Off Ratio (%) | ▲ | 0.58% | -0.83 | 1.40% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆██ | Net Interest Margin (%) | 4.26% | 4.36% | 4.67% | 4.80% | 4.88% | 4.94% | 5.25% | 5.20% |
| ▁▂▃▅▅▅██ | Return on Assets (%) | 1.11% | 1.21% | 1.33% | 1.47% | 1.47% | 1.50% | 1.81% | 1.73% |
| █▇▅▄▃▃▁▁ | Efficiency Ratio (%) | 66.3% | 64.6% | 61.3% | 59.7% | 59.1% | 59.0% | 55.3% | 55.9% |
| █▇▃▃▄▃▁▁ | Cost of Funds (%) | 1.83% | 1.73% | 1.47% | 1.49% | 1.52% | 1.46% | 1.35% | 1.33% |
| ▁▅▁█▃▃▂▄ | NPA / Assets (%) | 0.27% | 0.76% | 0.37% | 1.13% | 0.50% | 0.52% | 0.48% | 0.69% |
| ▁▅▁█▃▃▃▂ | Net Charge-Off Ratio (%) | 0.33% | 0.94% | 0.46% | 1.40% | 0.62% | 0.64% | 0.61% | 0.58% |
| ▁▁▃▄▆▆██ | Tang. Book Value ($M) | $17 | $17 | $18 | $18 | $19 | $19 | $20 | $20 |
| ▃▁█▇▃▄▄▄ | Gross Loans ($M) | $153 | $150 | $158 | $157 | $152 | $153 | $153 | $153 |
| ▁▁█▇▄▃▇▄ | Total Deposits ($M) | $162 | $163 | $177 | $174 | $169 | $167 | $174 | $169 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 91% |
| C&I / Commercial | 7% |
| Consumer | 1% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 13% |