Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.01% | +0.13 | 1.88% |
| Return on Equity (%) | ▼ | 14.23% | -1.03 | 15.26% |
| Net Interest Margin (%) | ▲ | 5.62% | +0.22 | 5.41% |
| Efficiency Ratio (%) | ▼ | 51.87% | +2.27 | 49.60% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.11 | $1 |
| Cost of Funds (%) | ▲ | 1.84% | -0.24 | 2.08% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $201 | +4.62 | $197 |
| Gross Loans ($M) | ▲ | $169 | +5.09 | $164 |
| Loan Growth YoY (%) | ▲ | 98.19% | +2.64 | 95.56% |
| Total Deposits ($M) | ▲ | $169 | +0.29 | $169 |
| Shareholders Equity ($M) | ▲ | $30 | +4.01 | $26 |
| Tang. Book Value ($M) | ▲ | $30 | +4.01 | $26 |
| Loan / Deposit Ratio (%) | ▲ | 98.19% | +2.64 | 95.56% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.43% | +0.12 | 0.31% |
| Allowance / Loans (%) | — | 1.58% | 0.17% | 1.42% |
| Net Charge-Off Ratio (%) | ▲ | 0.33% | -0.04 | 0.37% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 21.00% | +2.21 | 18.79% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▆▇▆██ | Net Interest Margin (%) | 4.97% | 4.95% | 5.36% | 5.41% | 5.46% | 5.45% | 5.56% | 5.62% |
| ▁▁▇▅█▅▇█ | Return on Assets (%) | 1.77% | 1.74% | 1.96% | 1.88% | 1.99% | 1.91% | 1.95% | 2.01% |
| ▆▆▁▃▁▁██ | Efficiency Ratio (%) | 51.1% | 50.8% | 48.4% | 49.6% | 48.3% | 48.7% | 52.3% | 51.9% |
| ██▅▄▄▃▁▂ | Cost of Funds (%) | 2.39% | 2.43% | 2.13% | 2.08% | 2.03% | 1.94% | 1.75% | 1.84% |
| ▁▄▁▂▄█▄▃ | NPA / Assets (%) | 0.14% | 0.50% | 0.08% | 0.31% | 0.58% | 1.08% | 0.57% | 0.43% |
| ▁▄▁▃▅█▄▃ | Net Charge-Off Ratio (%) | 0.06% | 0.54% | 0.00% | 0.37% | 0.70% | 1.14% | 0.53% | 0.33% |
| ▁▁▃▄▆▇██ | Tang. Book Value ($M) | $22 | $22 | $25 | $26 | $27 | $28 | $29 | $30 |
| ▁▁▂▆▇▇██ | Gross Loans ($M) | $151 | $150 | $154 | $164 | $165 | $166 | $167 | $169 |
| ▁▇▇▅▇██▅ | Total Deposits ($M) | $162 | $171 | $171 | $169 | $172 | $173 | $174 | $169 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 91% |
| C&I / Commercial | 4% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 16% |