Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | — | 0.77% | 0.00 | 0.77% |
| Return on Equity (%) | ▼ | 9.93% | -0.66 | 10.59% |
| Net Interest Margin (%) | ▲ | 3.25% | +0.32 | 2.92% |
| Efficiency Ratio (%) | ▼ | 72.47% | +1.15 | 71.32% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.04 | $0 |
| Cost of Funds (%) | ▼ | 1.65% | +0.13 | 1.52% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $178 | +12.43 | $166 |
| Gross Loans ($M) | ▲ | $93 | +7.50 | $86 |
| Loan Growth YoY (%) | ▼ | 59.82% | -1.43 | 61.25% |
| Total Deposits ($M) | ▲ | $154 | +15.70 | $138 |
| Shareholders Equity ($M) | ▲ | $14 | +1.48 | $13 |
| Tang. Book Value ($M) | ▲ | $14 | +1.48 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +1.86 | $16 |
| Loan / Deposit Ratio (%) | ▼ | 59.82% | -1.43 | 61.25% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.37% | +0.18 | 0.19% |
| Allowance / Loans (%) | — | 1.07% | 0.01% | 1.06% |
| Net Charge-Off Ratio (%) | ▼ | 0.70% | +0.63 | 0.07% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▄▅▇█ | Net Interest Margin (%) | 2.79% | 2.82% | 2.80% | 2.92% | 2.98% | 3.03% | 3.18% | 3.25% |
| ▄▁▇██▅▆█ | Return on Assets (%) | 0.57% | 0.39% | 0.69% | 0.77% | 0.76% | 0.61% | 0.66% | 0.77% |
| ▂█▄▂▁▁▆▃ | Efficiency Ratio (%) | 71.4% | 78.2% | 73.4% | 71.3% | 70.3% | 69.7% | 75.2% | 72.5% |
| ▃▃▃▅▃▁██ | Cost of Funds (%) | 1.48% | 1.46% | 1.48% | 1.52% | 1.48% | 1.39% | 1.63% | 1.65% |
| ▇▆▄▄▄▁▁█ | NPA / Assets (%) | 0.31% | 0.28% | 0.19% | 0.19% | 0.20% | 0.04% | 0.07% | 0.37% |
| ▆▆▁▁▁▁▁█ | Net Charge-Off Ratio (%) | 0.51% | 0.53% | 0.08% | 0.07% | 0.09% | 0.09% | 0.14% | 0.70% |
| ▃▁▃▅▇█▇█ | Tang. Book Value ($M) | $12 | $11 | $12 | $13 | $14 | $14 | $14 | $14 |
| ▁▁▁▂▃▅█▇ | Gross Loans ($M) | $84 | $85 | $84 | $86 | $87 | $90 | $94 | $93 |
| ▂▁▁▁▂▇█▇ | Total Deposits ($M) | $141 | $138 | $139 | $138 | $141 | $155 | $159 | $154 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 82% |
| C&I / Commercial | 10% |
| Consumer | 7% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 8% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 14% |