Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.51% | +0.22 | 1.28% |
| Return on Equity (%) | ▲ | 18.52% | +1.29 | 17.23% |
| Net Interest Margin (%) | ▲ | 3.87% | +0.18 | 3.69% |
| Efficiency Ratio (%) | ▲ | 61.23% | -0.88 | 62.11% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.08 | $1 |
| Cost of Funds (%) | ▲ | 1.95% | -0.12 | 2.07% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $270 | +4.95 | $265 |
| Gross Loans ($M) | ▲ | $193 | +12.66 | $180 |
| Loan Growth YoY (%) | ▲ | 79.37% | +4.86 | 74.50% |
| Total Deposits ($M) | ▲ | $239 | +1.02 | $238 |
| Shareholders Equity ($M) | ▲ | $22 | +2.92 | $19 |
| Tang. Book Value ($M) | ▲ | $22 | +2.92 | $19 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +3.23 | $21 |
| Loan / Deposit Ratio (%) | ▲ | 79.37% | +4.86 | 74.50% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.35% | +0.06 | 0.29% |
| Allowance / Loans (%) | — | 1.61% | 0.03% | 1.58% |
| Net Charge-Off Ratio (%) | ▼ | 0.49% | +0.06 | 0.43% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▆▇███ | Net Interest Margin (%) | 3.24% | 3.35% | 3.56% | 3.69% | 3.77% | 3.86% | 3.85% | 3.87% |
| ▁▁▅▆▆▆██ | Return on Assets (%) | 0.90% | 0.88% | 1.26% | 1.28% | 1.30% | 1.34% | 1.51% | 1.51% |
| ▇█▂▂▂▁▁▁ | Efficiency Ratio (%) | 67.5% | 68.9% | 62.1% | 62.1% | 61.9% | 61.4% | 60.6% | 61.2% |
| █▇▄▂▂▂▁▁ | Cost of Funds (%) | 2.61% | 2.49% | 2.18% | 2.07% | 2.04% | 2.01% | 1.91% | 1.95% |
| ▅▄█▇▄▁██ | NPA / Assets (%) | 0.20% | 0.17% | 0.32% | 0.29% | 0.16% | 0.02% | 0.36% | 0.35% |
| ▅▄▇▇▄▁██ | Net Charge-Off Ratio (%) | 0.28% | 0.22% | 0.44% | 0.43% | 0.22% | 0.03% | 0.49% | 0.49% |
| ▃▁▃▄▇▆██ | Tang. Book Value ($M) | $19 | $18 | $19 | $19 | $21 | $21 | $22 | $22 |
| ▁▅▅▃▆███ | Gross Loans ($M) | $172 | $185 | $185 | $180 | $189 | $194 | $195 | $193 |
| ▂▁▄██▇██ | Total Deposits ($M) | $217 | $214 | $226 | $238 | $238 | $236 | $239 | $239 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 91% |
| C&I / Commercial | 9% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 7% |