Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.66% | -0.01 | 0.68% |
| Return on Equity (%) | ▼ | 9.03% | -1.40 | 10.43% |
| Net Interest Margin (%) | ▲ | 3.14% | +0.10 | 3.04% |
| Efficiency Ratio (%) | ▼ | 79.98% | +2.19 | 77.79% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.03 | $0 |
| Cost of Funds (%) | ▲ | 1.76% | -0.02 | 1.78% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $187 | -3.01 | $190 |
| Gross Loans ($M) | ▼ | $91 | -3.68 | $95 |
| Loan Growth YoY (%) | ▼ | 52.83% | -0.90 | 53.73% |
| Total Deposits ($M) | ▼ | $170 | -3.96 | $174 |
| Shareholders Equity ($M) | ▲ | $14 | +1.31 | $13 |
| Tang. Book Value ($M) | ▲ | $14 | +1.31 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +1.65 | $16 |
| Loan / Deposit Ratio (%) | ▼ | 52.83% | -0.90 | 53.73% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.11% | -0.20 | 0.31% |
| Allowance / Loans (%) | — | 1.33% | 0.03% | 1.31% |
| Net Charge-Off Ratio (%) | ▲ | 0.23% | -0.40 | 0.63% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 17.81% | +1.40 | 16.41% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▆▆▅▄█ | Net Interest Margin (%) | 2.79% | 2.78% | 2.92% | 3.04% | 3.02% | 2.97% | 2.93% | 3.14% |
| ▂▁▄█▇▅▁█ | Return on Assets (%) | 0.44% | 0.41% | 0.50% | 0.68% | 0.62% | 0.55% | 0.38% | 0.66% |
| ▆▇▄▁▂▄█▂ | Efficiency Ratio (%) | 83.7% | 84.9% | 81.3% | 77.8% | 79.6% | 81.6% | 86.6% | 80.0% |
| ▆█▁▁▅▅▂▁ | Cost of Funds (%) | 2.00% | 2.10% | 1.77% | 1.78% | 1.95% | 1.95% | 1.80% | 1.76% |
| ▄▄▇▄▄█▇▁ | NPA / Assets (%) | 0.29% | 0.32% | 0.52% | 0.31% | 0.35% | 0.59% | 0.51% | 0.11% |
| ▃▄▇▄▄█▇▁ | Net Charge-Off Ratio (%) | 0.57% | 0.63% | 1.03% | 0.63% | 0.69% | 1.19% | 1.05% | 0.23% |
| ▂▁▃▅▇███ | Tang. Book Value ($M) | $12 | $11 | $12 | $13 | $14 | $14 | $14 | $14 |
| ▅▃▆█▄▅▅▁ | Gross Loans ($M) | $93 | $92 | $94 | $95 | $93 | $93 | $93 | $91 |
| ▁▂▃█▃▅█▄ | Total Deposits ($M) | $167 | $169 | $170 | $174 | $169 | $171 | $175 | $170 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 82% |
| C&I / Commercial | 17% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 55% |
| Brokered / Other | 23% |