Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.63% | +0.13 | 0.50% |
| Return on Equity (%) | ▲ | 6.69% | +0.64 | 6.05% |
| Net Interest Margin (%) | ▲ | 3.14% | +0.10 | 3.04% |
| Efficiency Ratio (%) | ▲ | 74.73% | -4.69 | 79.42% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.05 | $1 |
| Cost of Funds (%) | ▲ | 1.29% | -0.09 | 1.38% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $331 | +12.71 | $318 |
| Gross Loans ($M) | ▼ | $122 | -9.69 | $131 |
| Loan Growth YoY (%) | ▼ | 40.14% | -4.63 | 44.77% |
| Total Deposits ($M) | ▲ | $299 | +9.98 | $289 |
| Shareholders Equity ($M) | ▲ | $31 | +2.70 | $28 |
| Tang. Book Value ($M) | ▲ | $28 | +2.70 | $26 |
| TBV excl. AOCI ($M)** | ▲ | $35 | +3.07 | $32 |
| Loan / Deposit Ratio (%) | ▼ | 40.14% | -4.63 | 44.77% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.55% | -0.10 | 0.65% |
| Allowance / Loans (%) | — | 1.54% | -0.14% | 1.68% |
| Net Charge-Off Ratio (%) | ▼ | 1.42% | +0.27 | 1.15% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 23.71% | +1.60 | 22.11% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▇▁▅▆█▅█ | Net Interest Margin (%) | 3.01% | 3.11% | 2.94% | 3.04% | 3.08% | 3.14% | 3.06% | 3.14% |
| ▄▆▁▄████ | Return on Assets (%) | 0.53% | 0.59% | 0.41% | 0.50% | 0.63% | 0.65% | 0.64% | 0.63% |
| ▂▁█▆▂▁▁▂ | Efficiency Ratio (%) | 75.3% | 72.9% | 83.2% | 79.4% | 75.1% | 74.2% | 74.1% | 74.7% |
| ▇█▃▄▃▃▂▁ | Cost of Funds (%) | 1.44% | 1.48% | 1.35% | 1.38% | 1.35% | 1.36% | 1.31% | 1.29% |
| ▅█▃▂▁▅▁▁ | NPA / Assets (%) | 0.79% | 0.98% | 0.70% | 0.65% | 0.59% | 0.78% | 0.61% | 0.55% |
| ▆█▃▁▁▇▅▄ | Net Charge-Off Ratio (%) | 1.57% | 1.80% | 1.25% | 1.15% | 1.06% | 1.65% | 1.47% | 1.42% |
| ▄▁▃▅▇█▇█ | Tang. Book Value ($M) | $25 | $23 | $24 | $26 | $27 | $28 | $27 | $28 |
| ██▄▅▃▂▁▁ | Gross Loans ($M) | $141 | $140 | $131 | $131 | $129 | $124 | $122 | $122 |
| █▂▂▂▃▁▁▄ | Total Deposits ($M) | $320 | $290 | $287 | $289 | $293 | $280 | $283 | $299 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 61% |
| C&I / Commercial | 25% |
| Consumer | 11% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 13% |