Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.68% | -0.01 | 0.69% |
| Return on Equity (%) | ▼ | 4.85% | -0.50 | 5.35% |
| Net Interest Margin (%) | ▼ | 4.16% | -0.00 | 4.17% |
| Efficiency Ratio (%) | ▼ | 76.23% | +0.41 | 75.81% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.08 | $1 |
| Cost of Funds (%) | ▲ | 1.01% | -0.15 | 1.17% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $476 | -17.26 | $493 |
| Gross Loans ($M) | ▼ | $276 | -6.65 | $283 |
| Loan Growth YoY (%) | ▲ | 67.75% | +1.57 | 66.17% |
| Total Deposits ($M) | ▼ | $402 | -19.03 | $421 |
| Shareholders Equity ($M) | ▲ | $68 | +2.07 | $66 |
| Tang. Book Value ($M) | ▲ | $68 | +2.05 | $66 |
| TBV excl. AOCI ($M)** | ▲ | $76 | +2.11 | $74 |
| Loan / Deposit Ratio (%) | ▲ | 67.75% | +1.57 | 66.17% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.39% | +1.06 | 0.33% |
| Allowance / Loans (%) | — | 1.43% | -0.10% | 1.53% |
| Net Charge-Off Ratio (%) | ▼ | 2.39% | +1.85 | 0.54% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 24.72% | +0.49 | 24.22% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▁▄▅▆▂▄ | Net Interest Margin (%) | 4.32% | 4.26% | 4.06% | 4.17% | 4.20% | 4.25% | 4.11% | 4.16% |
| ██▂▂▇▃▁▁ | Return on Assets (%) | 0.88% | 0.89% | 0.71% | 0.69% | 0.84% | 0.72% | 0.66% | 0.68% |
| ▄▃▂▄▁▃█▅ | Efficiency Ratio (%) | 76.0% | 75.1% | 74.5% | 75.8% | 73.7% | 75.0% | 78.6% | 76.2% |
| ▆█▆▅▄▂▁▁ | Cost of Funds (%) | 1.24% | 1.33% | 1.21% | 1.17% | 1.13% | 1.07% | 1.00% | 1.01% |
| ▁▁▁▁▃▅██ | NPA / Assets (%) | 0.42% | 0.44% | 0.35% | 0.33% | 0.71% | 0.91% | 1.31% | 1.39% |
| ▁▁▁▁▄▅██ | Net Charge-Off Ratio (%) | 0.72% | 0.74% | 0.57% | 0.54% | 1.27% | 1.56% | 2.34% | 2.39% |
| ▄▁▄▅████ | Tang. Book Value ($M) | $64 | $62 | $65 | $66 | $67 | $68 | $68 | $68 |
| ▆▇█▆▁▄▁▂ | Gross Loans ($M) | $283 | $284 | $287 | $283 | $275 | $279 | $273 | $276 |
| ▃██▆▅▁▄▁ | Total Deposits ($M) | $411 | $430 | $428 | $421 | $418 | $405 | $414 | $402 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 18% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 15% |