Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.06% | +0.03 | 1.03% |
| Return on Equity (%) | ▼ | 13.69% | -0.59 | 14.28% |
| Net Interest Margin (%) | ▲ | 4.13% | +0.30 | 3.84% |
| Efficiency Ratio (%) | ▼ | 63.36% | +1.83 | 61.53% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.08 | $1 |
| Cost of Funds (%) | ▲ | 2.10% | -0.13 | 2.22% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $194 | +7.78 | $186 |
| Gross Loans ($M) | ▲ | $163 | +7.66 | $155 |
| Loan Growth YoY (%) | ▲ | 93.31% | +0.31 | 93.00% |
| Total Deposits ($M) | ▲ | $173 | +7.46 | $166 |
| Shareholders Equity ($M) | ▲ | $15 | +2.04 | $13 |
| Tang. Book Value ($M) | ▲ | $15 | +2.04 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +2.06 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 93.31% | +0.31 | 93.00% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.15% | +2.05 | 0.10% |
| Allowance / Loans (%) | — | 0.87% | 0.07% | 0.80% |
| Net Charge-Off Ratio (%) | ▼ | 2.55% | +2.44 | 0.11% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▅▇██ | Net Interest Margin (%) | 3.57% | 3.57% | 3.83% | 3.84% | 3.87% | 4.03% | 4.07% | 4.13% |
| ▂▁█▄▅█▃▅ | Return on Assets (%) | 0.96% | 0.93% | 1.13% | 1.03% | 1.05% | 1.15% | 1.01% | 1.06% |
| ▃▅▃▃▂▁█▆ | Efficiency Ratio (%) | 61.6% | 62.6% | 61.7% | 61.5% | 61.1% | 60.5% | 64.5% | 63.4% |
| ▆█▃▃▄▅▁▂ | Cost of Funds (%) | 2.40% | 2.58% | 2.22% | 2.22% | 2.27% | 2.34% | 2.02% | 2.10% |
| ▁▁▁▁▂▃▃█ | NPA / Assets (%) | 0.20% | 0.16% | 0.00% | 0.10% | 0.35% | 0.62% | 0.57% | 2.15% |
| ▁▁▁▁▂▃▃█ | Net Charge-Off Ratio (%) | 0.25% | 0.19% | 0.00% | 0.11% | 0.41% | 0.72% | 0.68% | 2.55% |
| ▂▁▂▃▅▆▇█ | Tang. Book Value ($M) | $13 | $13 | $13 | $13 | $14 | $15 | $15 | $15 |
| ▁▂▄▆█▇██ | Gross Loans ($M) | $137 | $142 | $150 | $155 | $162 | $158 | $163 | $163 |
| ▁▁▅▆▆▅▇█ | Total Deposits ($M) | $154 | $151 | $164 | $166 | $167 | $163 | $169 | $173 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 75% |
| C&I / Commercial | 23% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 56% |
| Brokered / Other | 18% |