Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.59% | +0.09 | 1.50% |
| Return on Equity (%) | ▲ | 18.20% | +0.28 | 17.92% |
| Net Interest Margin (%) | ▼ | 5.20% | -0.05 | 5.25% |
| Efficiency Ratio (%) | ▲ | 56.34% | -2.04 | 58.37% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.23 | $1 |
| Cost of Funds (%) | ▲ | 1.85% | -0.22 | 2.07% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $252 | +37.23 | $215 |
| Gross Loans ($M) | ▲ | $209 | +31.64 | $177 |
| Loan Growth YoY (%) | ▲ | 94.31% | +4.57 | 89.74% |
| Total Deposits ($M) | ▲ | $219 | +23.84 | $195 |
| Shareholders Equity ($M) | ▲ | $22 | +3.84 | $18 |
| Tang. Book Value ($M) | ▲ | $22 | +3.84 | $18 |
| Loan / Deposit Ratio (%) | ▲ | 94.31% | +4.57 | 89.74% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.30% | -0.07 | 0.37% |
| Allowance / Loans (%) | — | 0.98% | -0.04% | 1.02% |
| Net Charge-Off Ratio (%) | ▲ | 0.32% | -0.12 | 0.44% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄█▇▇▃▇ | Net Interest Margin (%) | 5.02% | 5.01% | 5.10% | 5.25% | 5.20% | 5.20% | 5.07% | 5.20% |
| ▁▁▂▆▇▇██ | Return on Assets (%) | 1.29% | 1.27% | 1.33% | 1.50% | 1.52% | 1.54% | 1.55% | 1.59% |
| ▇█▅▃▃▃▁▁ | Efficiency Ratio (%) | 61.4% | 62.3% | 59.9% | 58.4% | 58.5% | 58.3% | 56.8% | 56.3% |
| ██▇▆▆▅▃▁ | Cost of Funds (%) | 2.14% | 2.15% | 2.08% | 2.07% | 2.05% | 2.02% | 1.93% | 1.85% |
| █▇▅▃▄██▁ | NPA / Assets (%) | 0.56% | 0.52% | 0.43% | 0.37% | 0.40% | 0.54% | 0.53% | 0.30% |
| ██▅▃▄█▇▁ | Net Charge-Off Ratio (%) | 0.67% | 0.64% | 0.52% | 0.44% | 0.49% | 0.67% | 0.62% | 0.32% |
| ▁▁▂▃▅▆██ | Tang. Book Value ($M) | $16 | $16 | $17 | $18 | $19 | $20 | $22 | $22 |
| ▁▁▃▄▅▅▆█ | Gross Loans ($M) | $151 | $157 | $168 | $177 | $180 | $187 | $193 | $209 |
| ▁▂▄▅▆███ | Total Deposits ($M) | $167 | $180 | $190 | $195 | $205 | $214 | $219 | $219 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 7% |
| Consumer | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 13% |