Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.62% | +0.02 | 0.60% |
| Return on Equity (%) | ▼ | 6.99% | -0.31 | 7.30% |
| Net Interest Margin (%) | ▲ | 4.13% | +0.26 | 3.87% |
| Efficiency Ratio (%) | ▲ | 80.82% | -0.92 | 81.74% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.18 | $0 |
| Cost of Funds (%) | ▲ | 1.11% | -0.15 | 1.26% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $267 | +18.87 | $248 |
| Gross Loans ($M) | ▲ | $187 | +21.04 | $166 |
| Loan Growth YoY (%) | ▲ | 78.93% | +1.80 | 77.13% |
| Total Deposits ($M) | ▲ | $235 | +21.87 | $213 |
| Shareholders Equity ($M) | ▲ | $24 | +2.89 | $21 |
| Tang. Book Value ($M) | ▲ | $24 | +2.89 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +2.74 | $24 |
| Loan / Deposit Ratio (%) | ▲ | 78.93% | +1.80 | 77.13% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.44% | +0.01 | 0.43% |
| Allowance / Loans (%) | — | 0.89% | -0.14% | 1.03% |
| Net Charge-Off Ratio (%) | ▲ | 0.63% | -0.02 | 0.65% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 16.19% | -0.40 | 16.59% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆▃▄▆██ | Net Interest Margin (%) | 3.77% | 3.84% | 4.03% | 3.87% | 3.93% | 4.00% | 4.09% | 4.13% |
| ▁▃▇▄▇█▆▅ | Return on Assets (%) | 0.55% | 0.59% | 0.65% | 0.60% | 0.66% | 0.68% | 0.65% | 0.62% |
| █▁▁█▂▁█▃ | Efficiency Ratio (%) | 81.6% | 80.4% | 80.4% | 81.7% | 80.7% | 80.4% | 81.8% | 80.8% |
| ▇▃▁█▅▄▄▄ | Cost of Funds (%) | 1.20% | 1.07% | 0.97% | 1.26% | 1.13% | 1.11% | 1.10% | 1.11% |
| ▃▃▁▁▄█▅▁ | NPA / Assets (%) | 0.48% | 0.51% | 0.41% | 0.43% | 0.54% | 0.69% | 0.58% | 0.44% |
| ▃▄▁▁▄█▆▁ | Net Charge-Off Ratio (%) | 0.72% | 0.78% | 0.61% | 0.65% | 0.81% | 1.01% | 0.86% | 0.63% |
| ▂▁▂▄▆▇▇█ | Tang. Book Value ($M) | $20 | $19 | $20 | $21 | $22 | $23 | $23 | $24 |
| ▁▁▁▃▄▅▅█ | Gross Loans ($M) | $159 | $158 | $160 | $166 | $169 | $174 | $174 | $187 |
| ▁▂▁▃▅▅▇█ | Total Deposits ($M) | $200 | $205 | $204 | $213 | $219 | $220 | $228 | $235 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 11% |
| Consumer | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 5% |