Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.10% | +0.32 | 0.78% |
| Return on Equity (%) | ▲ | 11.24% | +2.43 | 8.81% |
| Net Interest Margin (%) | ▲ | 3.65% | +0.56 | 3.09% |
| Efficiency Ratio (%) | ▲ | 69.74% | -5.47 | 75.21% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.13 | $0 |
| Cost of Funds (%) | ▲ | 1.41% | -0.16 | 1.57% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $143 | +4.55 | $139 |
| Gross Loans ($M) | ▲ | $104 | +1.20 | $103 |
| Loan Growth YoY (%) | ▼ | 80.53% | -4.31 | 84.84% |
| Total Deposits ($M) | ▲ | $128 | +7.85 | $120 |
| Shareholders Equity ($M) | ▲ | $14 | +1.23 | $13 |
| Tang. Book Value ($M) | ▲ | $14 | +1.23 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +1.11 | $14 |
| Loan / Deposit Ratio (%) | ▼ | 80.53% | -4.31 | 84.84% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.15% | +0.08 | 0.07% |
| Allowance / Loans (%) | — | 1.32% | 0.02% | 1.30% |
| Net Charge-Off Ratio (%) | ▼ | 0.21% | +0.12 | 0.09% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▂▃▄▇█ | Net Interest Margin (%) | 2.91% | 2.93% | 2.97% | 3.09% | 3.18% | 3.27% | 3.54% | 3.65% |
| ▁▁▁▁▂▃▇█ | Return on Assets (%) | 0.75% | 0.78% | 0.74% | 0.78% | 0.82% | 0.84% | 1.02% | 1.10% |
| █▆█▇▇▆▃▁ | Efficiency Ratio (%) | 76.0% | 74.5% | 76.2% | 75.2% | 74.6% | 74.6% | 71.6% | 69.7% |
| ▆█▇▆▇▆▁▁ | Cost of Funds (%) | 1.58% | 1.65% | 1.60% | 1.57% | 1.61% | 1.58% | 1.42% | 1.41% |
| ▆██▂▂▁▆▅ | NPA / Assets (%) | 0.18% | 0.22% | 0.24% | 0.07% | 0.06% | 0.03% | 0.16% | 0.15% |
| ▆██▂▂▁▅▅ | Net Charge-Off Ratio (%) | 0.25% | 0.30% | 0.32% | 0.09% | 0.08% | 0.04% | 0.21% | 0.21% |
| ▃▁▃▅▆▆▇█ | Tang. Book Value ($M) | $12 | $12 | $12 | $13 | $13 | $13 | $14 | $14 |
| ▁▄▂▄▂▆█▅ | Gross Loans ($M) | $99 | $103 | $100 | $103 | $100 | $104 | $107 | $104 |
| ▁▅▁▂▃▄▇█ | Total Deposits ($M) | $119 | $124 | $118 | $120 | $121 | $122 | $126 | $128 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 92% |
| C&I / Commercial | 4% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 13% |