Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.50% | +0.52 | 0.98% |
| Return on Equity (%) | ▲ | 17.61% | +5.20 | 12.41% |
| Net Interest Margin (%) | ▲ | 4.15% | +0.21 | 3.94% |
| Efficiency Ratio (%) | ▲ | 65.13% | -9.92 | 75.05% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.25 | $0 |
| Cost of Funds (%) | ▲ | 1.45% | -0.16 | 1.60% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $165 | +14.94 | $150 |
| Gross Loans ($M) | ▲ | $116 | +18.58 | $97 |
| Loan Growth YoY (%) | ▲ | 78.78% | +6.26 | 72.52% |
| Total Deposits ($M) | ▲ | $145 | +13.08 | $132 |
| Shareholders Equity ($M) | ▲ | $14 | +2.00 | $12 |
| Tang. Book Value ($M) | ▲ | $14 | +2.00 | $12 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +1.83 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 78.78% | +6.26 | 72.52% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.32% | -0.09 | 0.42% |
| Allowance / Loans (%) | — | 1.27% | -0.24% | 1.51% |
| Net Charge-Off Ratio (%) | ▲ | 0.46% | -0.18 | 0.64% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 14.35% | -0.87 | 15.21% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▄▁▂▄▅▆█ | Net Interest Margin (%) | 3.93% | 3.98% | 3.87% | 3.94% | 3.98% | 4.02% | 4.05% | 4.15% |
| ▁▂▁▂▂▃▇█ | Return on Assets (%) | 0.91% | 0.98% | 0.87% | 0.98% | 1.00% | 1.06% | 1.37% | 1.50% |
| █▇█▇▇▆▂▁ | Efficiency Ratio (%) | 76.5% | 75.1% | 77.5% | 75.1% | 75.1% | 74.0% | 67.3% | 65.1% |
| ▁▅▆▇██▂▁ | Cost of Funds (%) | 1.47% | 1.54% | 1.58% | 1.60% | 1.61% | 1.63% | 1.47% | 1.45% |
| ▁███▇▆▇▆ | NPA / Assets (%) | 0.00% | 0.46% | 0.44% | 0.42% | 0.39% | 0.33% | 0.35% | 0.32% |
| ▁████▆▆▆ | Net Charge-Off Ratio (%) | 0.00% | 0.73% | 0.72% | 0.64% | 0.64% | 0.50% | 0.53% | 0.46% |
| ▅▃▁▂▅▆▇█ | Tang. Book Value ($M) | $13 | $12 | $11 | $12 | $13 | $13 | $13 | $14 |
| ▁▁▁▃▂▃▄█ | Gross Loans ($M) | $90 | $92 | $92 | $97 | $94 | $99 | $101 | $116 |
| ▁▁▃▃▄▃▅█ | Total Deposits ($M) | $127 | $126 | $132 | $132 | $135 | $133 | $136 | $145 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 26% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 31% |
| Interest-Bearing (core) | 51% |
| Brokered / Other | 18% |