Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.71% | -0.10 | 1.80% |
| Return on Equity (%) | ▼ | 18.51% | -1.21 | 19.72% |
| Net Interest Margin (%) | ▲ | 4.19% | +0.00 | 4.19% |
| Efficiency Ratio (%) | ▼ | 56.51% | +0.49 | 56.02% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.09 | $1 |
| Cost of Funds (%) | ▲ | 2.20% | -0.10 | 2.31% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $253 | +14.78 | $238 |
| Gross Loans ($M) | ▲ | $207 | +14.02 | $193 |
| Loan Growth YoY (%) | ▲ | 91.54% | +0.57 | 90.97% |
| Total Deposits ($M) | ▲ | $224 | +13.84 | $210 |
| Shareholders Equity ($M) | ▲ | $23 | +1.42 | $22 |
| Tang. Book Value ($M) | ▲ | $23 | +1.42 | $22 |
| Loan / Deposit Ratio (%) | ▲ | 91.54% | +0.57 | 90.97% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.74% | +0.33 | 0.42% |
| Allowance / Loans (%) | — | 1.00% | 0.01% | 0.99% |
| Net Charge-Off Ratio (%) | ▼ | 0.38% | +0.06 | 0.32% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.76% | -0.19 | 12.95% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁█▆▇▇▄▆ | Net Interest Margin (%) | 4.03% | 4.05% | 4.26% | 4.19% | 4.21% | 4.23% | 4.15% | 4.19% |
| ▃▁███▆▅▆ | Return on Assets (%) | 1.54% | 1.42% | 1.82% | 1.80% | 1.80% | 1.67% | 1.67% | 1.71% |
| ▅█▁▂▁▅▂▂ | Efficiency Ratio (%) | 59.4% | 62.4% | 54.9% | 56.0% | 55.9% | 58.8% | 56.2% | 56.5% |
| ▆█▅▇▇▅▁▃ | Cost of Funds (%) | 2.29% | 2.33% | 2.27% | 2.31% | 2.30% | 2.26% | 2.16% | 2.20% |
| ▁▁▂▁▃▆██ | NPA / Assets (%) | 0.40% | 0.41% | 0.47% | 0.42% | 0.52% | 0.64% | 0.73% | 0.74% |
| ▁▁▄▂▆██▄ | Net Charge-Off Ratio (%) | 0.29% | 0.30% | 0.39% | 0.32% | 0.45% | 0.52% | 0.52% | 0.38% |
| ▁▃▄▃▅███ | Tang. Book Value ($M) | $21 | $21 | $22 | $22 | $22 | $23 | $23 | $23 |
| ▁▁▂▂▄▅▅█ | Gross Loans ($M) | $189 | $190 | $193 | $193 | $197 | $198 | $200 | $207 |
| ▁▁▂▃▅▅▇█ | Total Deposits ($M) | $203 | $204 | $208 | $210 | $215 | $214 | $221 | $224 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 5% |
| Consumer | 17% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 56% |
| Brokered / Other | 21% |