Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.80% | +0.28 | 0.52% |
| Return on Equity (%) | ▲ | 11.46% | +3.34 | 8.12% |
| Net Interest Margin (%) | ▲ | 3.64% | +0.49 | 3.15% |
| Efficiency Ratio (%) | ▲ | 72.29% | -9.43 | 81.72% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.63 | $1 |
| Cost of Funds (%) | ▲ | 0.69% | -0.13 | 0.82% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $416 | +20.73 | $395 |
| Gross Loans ($M) | ▲ | $246 | +14.91 | $231 |
| Loan Growth YoY (%) | ▲ | 63.66% | +1.01 | 62.65% |
| Total Deposits ($M) | ▲ | $381 | +17.57 | $364 |
| Shareholders Equity ($M) | ▲ | $29 | +2.95 | $26 |
| Tang. Book Value ($M) | ▲ | $29 | +2.97 | $26 |
| TBV excl. AOCI ($M)** | ▲ | $36 | +3.35 | $32 |
| Loan / Deposit Ratio (%) | ▲ | 63.66% | +1.01 | 62.65% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.33% | -0.03 | 0.36% |
| Allowance / Loans (%) | — | 1.21% | -0.05% | 1.27% |
| Net Charge-Off Ratio (%) | ▲ | 0.56% | -0.06 | 0.62% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.90% | -0.42 | 13.32% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▅██ | Net Interest Margin (%) | 2.75% | 2.80% | 3.04% | 3.15% | 3.26% | 3.30% | 3.55% | 3.64% |
| ▁▁▄▄▅▅▆█ | Return on Assets (%) | 0.32% | 0.37% | 0.53% | 0.52% | 0.61% | 0.59% | 0.67% | 0.80% |
| ██▆▆▅▅▃▁ | Efficiency Ratio (%) | 84.9% | 83.6% | 81.6% | 81.7% | 79.7% | 79.4% | 75.9% | 72.3% |
| █▇▄▃▂▁▂▁ | Cost of Funds (%) | 1.08% | 1.01% | 0.86% | 0.82% | 0.78% | 0.72% | 0.78% | 0.69% |
| ▁▆▆██▇▇▅ | NPA / Assets (%) | 0.29% | 0.34% | 0.34% | 0.36% | 0.36% | 0.35% | 0.35% | 0.33% |
| ▁▇▆██▆▇▅ | Net Charge-Off Ratio (%) | 0.50% | 0.60% | 0.58% | 0.62% | 0.62% | 0.59% | 0.59% | 0.56% |
| ▁▁▂▄▆▆▇█ | Tang. Book Value ($M) | $24 | $24 | $25 | $26 | $27 | $28 | $28 | $29 |
| ▁▁▁▃▄▇▆█ | Gross Loans ($M) | $222 | $223 | $224 | $231 | $232 | $240 | $238 | $246 |
| ▁▂▁▃▂▁▃█ | Total Deposits ($M) | $356 | $361 | $358 | $364 | $360 | $356 | $365 | $381 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 10% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 79% |
| Brokered / Other | 1% |