Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.03% | -0.16 | 1.19% |
| Return on Equity (%) | ▼ | 17.62% | -4.88 | 22.50% |
| Net Interest Margin (%) | ▼ | 3.17% | -0.09 | 3.27% |
| Efficiency Ratio (%) | ▼ | 58.85% | +2.51 | 56.34% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.08 | $1 |
| Cost of Funds (%) | ▼ | 2.90% | +0.05 | 2.85% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $238 | -0.12 | $238 |
| Gross Loans ($M) | ▲ | $166 | +2.54 | $163 |
| Loan Growth YoY (%) | ▲ | 85.54% | +4.10 | 81.44% |
| Total Deposits ($M) | ▼ | $192 | -6.56 | $198 |
| Shareholders Equity ($M) | ▲ | $14 | +1.96 | $12 |
| Tang. Book Value ($M) | ▲ | $14 | +1.96 | $12 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +1.96 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 85.54% | +4.10 | 81.44% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.59% | +0.01 | 2.57% |
| Allowance / Loans (%) | — | 1.27% | -0.00% | 1.27% |
| Net Charge-Off Ratio (%) | ▼ | 0.33% | +0.10 | 0.22% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 11.83% | +0.34 | 11.50% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▇▇██▃▄ | Net Interest Margin (%) | 3.02% | 3.04% | 3.26% | 3.27% | 3.33% | 3.31% | 3.11% | 3.17% |
| ▁▁█▇▆▅▆▄ | Return on Assets (%) | 0.82% | 0.77% | 1.32% | 1.19% | 1.17% | 1.07% | 1.12% | 1.03% |
| ▇█▂▁▁▃▂▃ | Efficiency Ratio (%) | 64.9% | 66.7% | 57.7% | 56.3% | 55.6% | 58.8% | 57.3% | 58.9% |
| ▇█▁▂▅▂▂▃ | Cost of Funds (%) | 3.11% | 3.17% | 2.75% | 2.85% | 2.96% | 2.83% | 2.84% | 2.90% |
| ▁▁█▇█▇▆█ | NPA / Assets (%) | 1.68% | 1.63% | 2.71% | 2.57% | 2.60% | 2.50% | 2.38% | 2.59% |
| █▄▂▃▄▁▁▇ | Net Charge-Off Ratio (%) | 0.37% | 0.26% | 0.20% | 0.22% | 0.25% | 0.19% | 0.16% | 0.33% |
| ▅▁▄▄▆███ | Tang. Book Value ($M) | $13 | $11 | $12 | $12 | $13 | $14 | $14 | $14 |
| ▂▁▃▇▇███ | Gross Loans ($M) | $151 | $148 | $155 | $163 | $162 | $165 | $165 | $166 |
| ▁▂▆▇▄▆█▅ | Total Deposits ($M) | $169 | $178 | $196 | $198 | $188 | $195 | $208 | $192 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 8% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 11% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 18% |