Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.08% | +0.07 | 1.01% |
| Return on Equity (%) | ▼ | 15.60% | -2.45 | 18.05% |
| Net Interest Margin (%) | ▲ | 3.18% | +0.10 | 3.08% |
| Efficiency Ratio (%) | ▲ | 55.39% | -2.32 | 57.71% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.07 | $1 |
| Cost of Funds (%) | ▲ | 1.81% | -0.08 | 1.90% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $308 | +18.11 | $290 |
| Gross Loans ($M) | ▲ | $128 | +5.56 | $122 |
| Loan Growth YoY (%) | ▼ | 45.63% | -0.25 | 45.88% |
| Total Deposits ($M) | ▲ | $277 | +13.03 | $264 |
| Shareholders Equity ($M) | ▲ | $22 | +4.68 | $17 |
| Tang. Book Value ($M) | ▲ | $22 | +4.68 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $29 | +5.49 | $24 |
| Loan / Deposit Ratio (%) | ▼ | 45.63% | -0.25 | 45.88% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.41% | +0.01 | 0.40% |
| Allowance / Loans (%) | — | 1.25% | 0.15% | 1.09% |
| Net Charge-Off Ratio (%) | ▼ | 0.98% | +0.04 | 0.94% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -16.87 | 16.87% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▅▆▇▇█ | Net Interest Margin (%) | 2.94% | 2.96% | 2.98% | 3.08% | 3.12% | 3.14% | 3.14% | 3.18% |
| ▁▁▃▆▇▇██ | Return on Assets (%) | 0.82% | 0.85% | 0.92% | 1.01% | 1.02% | 1.03% | 1.07% | 1.08% |
| ██▅▃▃▃▁▁ | Efficiency Ratio (%) | 64.0% | 63.0% | 60.6% | 57.7% | 57.8% | 57.7% | 55.3% | 55.4% |
| █▆▇▆▅▁▁▂ | Cost of Funds (%) | 1.93% | 1.89% | 1.91% | 1.90% | 1.88% | 1.79% | 1.81% | 1.81% |
| ▃▁▁▄▁▆█▅ | NPA / Assets (%) | 0.38% | 0.35% | 0.35% | 0.40% | 0.36% | 0.43% | 0.45% | 0.41% |
| ▂▁▁▄▁██▅ | Net Charge-Off Ratio (%) | 0.90% | 0.86% | 0.84% | 0.94% | 0.85% | 1.06% | 1.09% | 0.98% |
| ▅▁▃▄▇▇▇█ | Tang. Book Value ($M) | $19 | $14 | $16 | $17 | $20 | $21 | $21 | $22 |
| ▁▁▁▅▆▄██ | Gross Loans ($M) | $117 | $117 | $116 | $122 | $125 | $122 | $127 | $128 |
| ▁▅▃▅▆███ | Total Deposits ($M) | $249 | $263 | $259 | $264 | $269 | $276 | $277 | $277 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 74% |
| C&I / Commercial | 16% |
| Consumer | 9% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 15% |