Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.70% | +0.06 | 0.64% |
| Return on Equity (%) | ▲ | 7.60% | +0.43 | 7.17% |
| Net Interest Margin (%) | ▲ | 4.30% | +0.32 | 3.98% |
| Efficiency Ratio (%) | ▲ | 78.80% | -0.89 | 79.69% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.05 | $1 |
| Cost of Funds (%) | ▼ | 1.55% | +0.10 | 1.45% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $416 | +37.12 | $379 |
| Gross Loans ($M) | ▲ | $314 | +32.13 | $282 |
| Loan Growth YoY (%) | ▲ | 82.86% | +1.12 | 81.74% |
| Total Deposits ($M) | ▲ | $375 | +34.19 | $341 |
| Shareholders Equity ($M) | ▲ | $38 | +2.32 | $36 |
| Tang. Book Value ($M) | ▲ | $38 | +2.32 | $36 |
| Loan / Deposit Ratio (%) | ▲ | 82.86% | +1.12 | 81.74% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.36% | -0.07 | 0.43% |
| Allowance / Loans (%) | — | 1.02% | -0.13% | 1.14% |
| Net Charge-Off Ratio (%) | ▲ | 0.29% | -0.29 | 0.58% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -13.49 | 13.49% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▇█▇█ | Net Interest Margin (%) | 3.50% | 3.57% | 3.72% | 3.98% | 4.13% | 4.23% | 4.19% | 4.30% |
| ▁▂▂▅██▅▆ | Return on Assets (%) | 0.48% | 0.53% | 0.53% | 0.64% | 0.77% | 0.80% | 0.67% | 0.70% |
| █▇▆▄▁▁▄▃ | Efficiency Ratio (%) | 84.5% | 82.5% | 82.3% | 79.7% | 76.4% | 76.2% | 79.5% | 78.8% |
| █▆▆▂▁▂▄▄ | Cost of Funds (%) | 1.74% | 1.64% | 1.62% | 1.45% | 1.38% | 1.46% | 1.52% | 1.55% |
| █▃▁▅▁▁▁▃ | NPA / Assets (%) | 0.62% | 0.32% | 0.20% | 0.43% | 0.23% | 0.22% | 0.21% | 0.36% |
| █▃▃█▁▁▁▃ | Net Charge-Off Ratio (%) | 0.61% | 0.23% | 0.29% | 0.58% | 0.10% | 0.10% | 0.10% | 0.29% |
| ▁▁▃▄▆▇██ | Tang. Book Value ($M) | $34 | $34 | $35 | $36 | $37 | $37 | $38 | $38 |
| ▂▁▁▂▄▆▇█ | Gross Loans ($M) | $279 | $273 | $276 | $282 | $293 | $303 | $304 | $314 |
| ▂▇▃▁▂▄▇█ | Total Deposits ($M) | $346 | $369 | $353 | $341 | $347 | $358 | $368 | $375 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 98% |
| C&I / Commercial | 1% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 11% |