Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.77% | -0.02 | 0.80% |
| Return on Equity (%) | ▼ | 7.81% | -1.05 | 8.86% |
| Net Interest Margin (%) | ▲ | 3.91% | +0.24 | 3.67% |
| Efficiency Ratio (%) | ▼ | 74.31% | +0.43 | 73.88% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.07 | $1 |
| Cost of Funds (%) | ▼ | 1.35% | +0.09 | 1.26% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $233 | +14.14 | $218 |
| Gross Loans ($M) | ▲ | $148 | +20.99 | $127 |
| Loan Growth YoY (%) | ▲ | 75.09% | +11.15 | 63.94% |
| Total Deposits ($M) | ▼ | $194 | -1.48 | $196 |
| Shareholders Equity ($M) | ▲ | $23 | +2.83 | $20 |
| Tang. Book Value ($M) | ▲ | $23 | +2.83 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +2.89 | $23 |
| Loan / Deposit Ratio (%) | ▲ | 75.09% | +11.15 | 63.94% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.53% | +0.42 | 0.11% |
| Allowance / Loans (%) | — | 1.23% | 0.01% | 1.22% |
| Net Charge-Off Ratio (%) | ▼ | 0.83% | +0.65 | 0.18% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 18.20% | -2.52 | 20.72% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▇██ | Net Interest Margin (%) | 3.27% | 3.29% | 3.55% | 3.67% | 3.74% | 3.83% | 3.90% | 3.91% |
| ▁▁▆▇▇█▆▇ | Return on Assets (%) | 0.51% | 0.54% | 0.74% | 0.80% | 0.79% | 0.86% | 0.76% | 0.77% |
| █▇▄▃▂▁▅▄ | Efficiency Ratio (%) | 81.6% | 79.0% | 74.9% | 73.9% | 71.6% | 69.8% | 76.5% | 74.3% |
| █▅▂▂▁▃▃▄ | Cost of Funds (%) | 1.51% | 1.36% | 1.25% | 1.26% | 1.21% | 1.31% | 1.31% | 1.35% |
| ▁▁▁▂▂▁▁█ | NPA / Assets (%) | 0.08% | 0.06% | 0.06% | 0.11% | 0.14% | 0.09% | 0.03% | 0.53% |
| ▁▁▁▂▃▂▁█ | Net Charge-Off Ratio (%) | 0.13% | 0.11% | 0.11% | 0.18% | 0.25% | 0.14% | 0.04% | 0.83% |
| ▂▁▂▃▆█▇█ | Tang. Book Value ($M) | $20 | $19 | $20 | $20 | $22 | $23 | $22 | $23 |
| ▁▁▂▂▄▆▆█ | Gross Loans ($M) | $120 | $124 | $126 | $127 | $134 | $138 | $139 | $148 |
| ▁▅▅▅█▆▇▅ | Total Deposits ($M) | $179 | $195 | $197 | $196 | $209 | $198 | $203 | $194 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 6% |
| Consumer | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 8% |