Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.38% | +0.37 | 1.01% |
| Return on Equity (%) | ▲ | 17.01% | +2.91 | 14.10% |
| Net Interest Margin (%) | ▲ | 3.76% | +0.16 | 3.60% |
| Efficiency Ratio (%) | ▲ | 56.87% | -8.24 | 65.11% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.43 | $1 |
| Cost of Funds (%) | ▲ | 1.09% | -0.11 | 1.20% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $262 | +13.71 | $248 |
| Gross Loans ($M) | ▲ | $185 | +2.33 | $183 |
| Loan Growth YoY (%) | ▼ | 78.14% | -2.54 | 80.67% |
| Total Deposits ($M) | ▲ | $234 | +10.11 | $224 |
| Shareholders Equity ($M) | ▲ | $22 | +3.64 | $18 |
| Tang. Book Value ($M) | ▲ | $22 | +3.64 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +4.07 | $20 |
| Loan / Deposit Ratio (%) | ▼ | 78.14% | -2.54 | 80.67% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.23% | -0.04 | 0.27% |
| Allowance / Loans (%) | — | 1.02% | 0.05% | 0.98% |
| Net Charge-Off Ratio (%) | ▲ | 0.33% | -0.04 | 0.37% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.59% | +1.10 | 13.50% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▆████ | Net Interest Margin (%) | 3.22% | 3.28% | 3.54% | 3.60% | 3.70% | 3.75% | 3.73% | 3.76% |
| ▂▁▄▄▅▅▆█ | Return on Assets (%) | 0.86% | 0.75% | 1.04% | 1.01% | 1.09% | 1.11% | 1.21% | 1.38% |
| ▇█▅▅▄▄▃▁ | Efficiency Ratio (%) | 69.4% | 73.3% | 65.1% | 65.1% | 63.5% | 63.5% | 62.2% | 56.9% |
| █▇▃▃▃▃▁▁ | Cost of Funds (%) | 1.52% | 1.42% | 1.22% | 1.20% | 1.23% | 1.22% | 1.12% | 1.09% |
| ▅▇█▂▂▆▁▁ | NPA / Assets (%) | 0.32% | 0.36% | 0.39% | 0.27% | 0.26% | 0.35% | 0.24% | 0.23% |
| ▅▆█▂▂▆▁▁ | Net Charge-Off Ratio (%) | 0.43% | 0.48% | 0.53% | 0.37% | 0.36% | 0.47% | 0.34% | 0.33% |
| ▁▁▁▃▄▆▇█ | Tang. Book Value ($M) | $17 | $16 | $17 | $18 | $19 | $20 | $20 | $22 |
| ▁▂▅▇████ | Gross Loans ($M) | $174 | $177 | $180 | $183 | $184 | $184 | $185 | $185 |
| ▂▁▃▅▆▄▇█ | Total Deposits ($M) | $215 | $209 | $218 | $224 | $226 | $221 | $230 | $234 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 96% |
| C&I / Commercial | 2% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 10% |