Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.85% | +0.05 | 0.79% |
| Return on Equity (%) | ▼ | 5.89% | -0.24 | 6.13% |
| Net Interest Margin (%) | ▲ | 3.50% | +0.13 | 3.37% |
| Efficiency Ratio (%) | ▲ | 74.69% | -3.06 | 77.75% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.03 | $0 |
| Cost of Funds (%) | ▲ | 1.15% | -0.12 | 1.27% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $162 | +4.51 | $158 |
| Gross Loans ($M) | ▲ | $76 | +0.89 | $75 |
| Loan Growth YoY (%) | ▼ | 54.20% | -0.21 | 54.41% |
| Total Deposits ($M) | ▲ | $138 | +2.18 | $136 |
| Shareholders Equity ($M) | ▲ | $23 | +2.39 | $21 |
| Tang. Book Value ($M) | ▲ | $23 | +2.39 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +2.23 | $24 |
| Loan / Deposit Ratio (%) | ▼ | 54.20% | -0.21 | 54.41% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.30% | -0.02% | 1.32% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▆▇██ | Net Interest Margin (%) | 3.18% | 3.18% | 3.30% | 3.37% | 3.42% | 3.46% | 3.52% | 3.50% |
| ▁▂▂▅▇███ | Return on Assets (%) | 0.70% | 0.72% | 0.72% | 0.79% | 0.83% | 0.85% | 0.85% | 0.85% |
| ▇▆█▆▃▁▁▁ | Efficiency Ratio (%) | 78.4% | 77.9% | 79.6% | 77.8% | 76.1% | 75.1% | 74.6% | 74.7% |
| ██▇▅▄▄▃▁ | Cost of Funds (%) | 1.36% | 1.34% | 1.32% | 1.27% | 1.23% | 1.25% | 1.20% | 1.15% |
| █▁▁▁▁▇▄▁ | NPA / Assets (%) | 0.11% | 0.00% | 0.00% | 0.00% | 0.00% | 0.09% | 0.05% | 0.00% |
| █▁▁▁▁▇▄▁ | Net Charge-Off Ratio (%) | 0.23% | 0.00% | 0.00% | 0.00% | 0.00% | 0.18% | 0.11% | 0.00% |
| ▅▁▁▁▅▇▆█ | Tang. Book Value ($M) | $22 | $21 | $21 | $21 | $22 | $23 | $22 | $23 |
| ██▄▁▆▅▃▂ | Gross Loans ($M) | $79 | $78 | $77 | $75 | $78 | $77 | $76 | $76 |
| ▅█▄▃▆▂▁▅ | Total Deposits ($M) | $138 | $141 | $137 | $136 | $138 | $134 | $133 | $138 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 99% |
| C&I / Commercial | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 9% |