Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.88% | +0.21 | 0.68% |
| Return on Equity (%) | ▲ | 15.30% | +1.61 | 13.69% |
| Net Interest Margin (%) | ▲ | 3.15% | +0.30 | 2.85% |
| Efficiency Ratio (%) | ▲ | 67.48% | -5.13 | 72.61% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.10 | $0 |
| Cost of Funds (%) | ▲ | 1.06% | -0.06 | 1.12% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $194 | +2.12 | $191 |
| Gross Loans ($M) | ▲ | $82 | +7.09 | $75 |
| Loan Growth YoY (%) | ▲ | 47.44% | +5.29 | 42.15% |
| Total Deposits ($M) | ▼ | $171 | -4.62 | $175 |
| Shareholders Equity ($M) | ▲ | $11 | +1.71 | $10 |
| Tang. Book Value ($M) | ▲ | $11 | +1.72 | $9 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +1.79 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 47.44% | +5.29 | 42.15% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.32% | +0.19 | 0.13% |
| Allowance / Loans (%) | — | 0.96% | -0.10% | 1.06% |
| Net Charge-Off Ratio (%) | ▼ | 0.75% | +0.42 | 0.33% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▄▄▅██ | Net Interest Margin (%) | 2.66% | 2.66% | 2.73% | 2.85% | 2.90% | 2.92% | 3.11% | 3.15% |
| ▁▁▂▄▅▄▇█ | Return on Assets (%) | 0.52% | 0.54% | 0.58% | 0.68% | 0.73% | 0.70% | 0.83% | 0.88% |
| ███▄▃▄▂▁ | Efficiency Ratio (%) | 77.9% | 77.2% | 76.7% | 72.6% | 70.6% | 71.6% | 69.6% | 67.5% |
| ▇█▅▄▅▄▁▃ | Cost of Funds (%) | 1.20% | 1.26% | 1.15% | 1.12% | 1.14% | 1.09% | 0.99% | 1.06% |
| ▃▁▄▁▁▃▃█ | NPA / Assets (%) | 0.16% | 0.13% | 0.20% | 0.13% | 0.11% | 0.18% | 0.17% | 0.32% |
| ▃▁▄▁▁▃▃█ | Net Charge-Off Ratio (%) | 0.41% | 0.32% | 0.49% | 0.33% | 0.27% | 0.43% | 0.41% | 0.75% |
| ▅▁▂▃▇█▇█ | Tang. Book Value ($M) | $10 | $9 | $9 | $9 | $11 | $11 | $11 | $11 |
| ▁▂▂▁▄▅██ | Gross Loans ($M) | $75 | $76 | $75 | $75 | $78 | $79 | $81 | $82 |
| ▁▁▄██▅█▆ | Total Deposits ($M) | $160 | $161 | $167 | $175 | $175 | $169 | $176 | $171 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 88% |
| C&I / Commercial | 7% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 10% |
| Interest-Bearing (core) | 88% |
| Brokered / Other | 3% |