Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.46% | +0.36 | 1.10% |
| Return on Equity (%) | ▲ | 12.89% | +2.25 | 10.64% |
| Net Interest Margin (%) | ▼ | 5.03% | -0.01 | 5.04% |
| Efficiency Ratio (%) | ▲ | 65.07% | -4.62 | 69.69% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.01 | $1 |
| Cost of Funds (%) | ▼ | 1.35% | +0.06 | 1.28% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $270 | +2.07 | $268 |
| Gross Loans ($M) | ▲ | $210 | +23.47 | $187 |
| Loan Growth YoY (%) | ▲ | 88.19% | +10.26 | 77.94% |
| Total Deposits ($M) | ▼ | $235 | -1.22 | $236 |
| Shareholders Equity ($M) | ▲ | $31 | +3.49 | $28 |
| Tang. Book Value ($M) | ▲ | $31 | +3.49 | $28 |
| TBV excl. AOCI ($M)** | ▲ | $32 | +3.31 | $29 |
| Loan / Deposit Ratio (%) | ▲ | 88.19% | +10.26 | 77.94% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.03% | -0.00 | 0.04% |
| Allowance / Loans (%) | — | 1.51% | -0.01% | 1.52% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▄▁▄▆█▂▄ | Net Interest Margin (%) | 5.04% | 5.05% | 4.94% | 5.04% | 5.09% | 5.16% | 4.98% | 5.03% |
| ▁▁▁▁▂▃█▆ | Return on Assets (%) | 1.07% | 1.08% | 1.04% | 1.10% | 1.17% | 1.21% | 1.64% | 1.46% |
| ███▇▆▆▁▃ | Efficiency Ratio (%) | 70.5% | 70.8% | 71.1% | 69.7% | 68.7% | 67.7% | 62.0% | 65.1% |
| ██▁▁██▁▄ | Cost of Funds (%) | 1.42% | 1.42% | 1.29% | 1.28% | 1.42% | 1.41% | 1.30% | 1.35% |
| ▁█▃▃▄▃▃▃ | NPA / Assets (%) | 0.00% | 0.11% | 0.04% | 0.04% | 0.05% | 0.04% | 0.03% | 0.03% |
| ▁█▁▁▂▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.10% | 0.01% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $26 | $26 | $27 | $28 | $29 | $29 | $30 | $31 |
| ▁▁▂▂▄▆▇█ | Gross Loans ($M) | $181 | $180 | $186 | $187 | $193 | $201 | $206 | $210 |
| ▁▂▂▇█▂█▇ | Total Deposits ($M) | $220 | $223 | $224 | $236 | $238 | $224 | $239 | $235 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 92% |
| C&I / Commercial | 6% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 37% |
| Interest-Bearing (core) | 53% |
| Brokered / Other | 10% |