Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.91% | +0.25 | 1.66% |
| Return on Equity (%) | ▲ | 19.33% | +2.32 | 17.01% |
| Net Interest Margin (%) | ▲ | 5.51% | +0.45 | 5.06% |
| Efficiency Ratio (%) | ▲ | 64.58% | -2.74 | 67.32% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.31 | $2 |
| Cost of Funds (%) | ▲ | 0.78% | -0.22 | 1.01% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $414 | +8.82 | $405 |
| Gross Loans ($M) | ▲ | $339 | +13.44 | $326 |
| Loan Growth YoY (%) | ▲ | 93.62% | +1.22 | 92.40% |
| Total Deposits ($M) | ▲ | $358 | +9.84 | $348 |
| Shareholders Equity ($M) | ▲ | $40 | +0.63 | $40 |
| Tang. Book Value ($M) | ▲ | $40 | +0.63 | $40 |
| TBV excl. AOCI ($M)** | ▲ | $42 | +0.26 | $42 |
| Loan / Deposit Ratio (%) | ▲ | 93.62% | +1.22 | 92.40% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.16% | -0.05% | 1.22% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 11.96% | -0.38 | 12.34% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▃▂▃▄██ | Net Interest Margin (%) | 4.96% | 5.04% | 5.12% | 5.06% | 5.16% | 5.23% | 5.50% | 5.51% |
| ▂▄▁▁▄▇██ | Return on Assets (%) | 1.69% | 1.77% | 1.65% | 1.66% | 1.76% | 1.86% | 1.89% | 1.91% |
| ▂▁██▅▂▁▂ | Efficiency Ratio (%) | 64.9% | 64.3% | 67.7% | 67.3% | 66.0% | 64.5% | 64.0% | 64.6% |
| ▂▁▂█▂▂▂▄ | Cost of Funds (%) | 0.70% | 0.65% | 0.71% | 1.01% | 0.74% | 0.72% | 0.70% | 0.78% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▃▁▅▆██▇▇ | Tang. Book Value ($M) | $38 | $37 | $39 | $40 | $40 | $41 | $40 | $40 |
| ▁▁▂▄▄▅██ | Gross Loans ($M) | $314 | $314 | $319 | $326 | $326 | $329 | $341 | $339 |
| ▄▁▂▄█▄▅▆ | Total Deposits ($M) | $352 | $333 | $339 | $348 | $372 | $353 | $356 | $358 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 88% |
| C&I / Commercial | 11% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 40% |
| Interest-Bearing (core) | 56% |
| Brokered / Other | 4% |