Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.92% | +0.08 | 1.84% |
| Return on Equity (%) | ▲ | 16.93% | +0.47 | 16.46% |
| Net Interest Margin (%) | ▲ | 4.73% | +0.30 | 4.43% |
| Efficiency Ratio (%) | ▼ | 57.39% | +0.74 | 56.65% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.20 | $2 |
| Cost of Funds (%) | ▲ | 1.57% | -0.16 | 1.73% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $403 | +46.39 | $357 |
| Gross Loans ($M) | ▲ | $301 | +19.50 | $281 |
| Loan Growth YoY (%) | ▼ | 83.52% | -6.15 | 89.67% |
| Total Deposits ($M) | ▲ | $355 | +45.78 | $309 |
| Shareholders Equity ($M) | ▲ | $45 | +5.05 | $40 |
| Tang. Book Value ($M) | ▲ | $45 | +5.05 | $40 |
| Loan / Deposit Ratio (%) | ▼ | 83.52% | -6.15 | 89.67% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.54% | -0.00 | 0.54% |
| Allowance / Loans (%) | — | 1.49% | -0.01% | 1.50% |
| Net Charge-Off Ratio (%) | ▼ | 0.11% | +0.08 | 0.03% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 15.19% | -0.47 | 15.66% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▂▁▃▄▅▇█ | Net Interest Margin (%) | 4.38% | 4.38% | 4.28% | 4.43% | 4.48% | 4.56% | 4.65% | 4.73% |
| █▅▁▃▃▄▅▅ | Return on Assets (%) | 2.03% | 1.93% | 1.76% | 1.84% | 1.83% | 1.87% | 1.93% | 1.92% |
| ▁▃████▇█ | Efficiency Ratio (%) | 50.4% | 52.8% | 57.0% | 56.6% | 57.3% | 57.0% | 56.0% | 57.4% |
| ▆██▄▄▃▁▁ | Cost of Funds (%) | 1.81% | 1.91% | 1.89% | 1.73% | 1.73% | 1.68% | 1.57% | 1.57% |
| ▁▄█▄▄▅▅▄ | NPA / Assets (%) | 0.15% | 0.47% | 0.98% | 0.54% | 0.52% | 0.67% | 0.64% | 0.54% |
| ▂▄█▁▁▂▂▁ | Net Charge-Off Ratio (%) | 0.19% | 0.58% | 1.20% | 0.03% | 0.02% | 0.23% | 0.23% | 0.11% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $38 | $38 | $39 | $40 | $41 | $43 | $44 | $45 |
| ▁▁▅▃▅▇▇█ | Gross Loans ($M) | $271 | $273 | $288 | $281 | $287 | $295 | $294 | $301 |
| ▁▁▂▂▃▅▇█ | Total Deposits ($M) | $295 | $299 | $308 | $309 | $315 | $326 | $342 | $355 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 89% |
| C&I / Commercial | 10% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 38% |
| Interest-Bearing (core) | 45% |
| Brokered / Other | 18% |