Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.68% | +0.28 | 0.40% |
| Return on Equity (%) | ▲ | 4.10% | +1.73 | 2.37% |
| Net Interest Margin (%) | ▲ | 3.07% | +0.38 | 2.69% |
| Efficiency Ratio (%) | ▲ | 71.65% | -9.67 | 81.31% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.17 | $0 |
| Cost of Funds (%) | ▼ | 0.50% | +0.03 | 0.47% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $174 | +4.63 | $169 |
| Gross Loans ($M) | ▼ | $55 | -1.06 | $56 |
| Loan Growth YoY (%) | ▼ | 37.54% | -1.79 | 39.33% |
| Total Deposits ($M) | ▲ | $145 | +3.92 | $141 |
| Shareholders Equity ($M) | ▲ | $29 | +0.68 | $28 |
| Tang. Book Value ($M) | ▲ | $29 | +0.68 | $28 |
| TBV excl. AOCI ($M)** | ▲ | $34 | +0.99 | $33 |
| Loan / Deposit Ratio (%) | ▼ | 37.54% | -1.79 | 39.33% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.97% | 0.02% | 0.96% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▆██ | Net Interest Margin (%) | 2.19% | 2.27% | 2.61% | 2.69% | 2.76% | 2.80% | 3.01% | 3.07% |
| ▁▁▃▄▄▅██ | Return on Assets (%) | 0.18% | 0.22% | 0.36% | 0.40% | 0.41% | 0.44% | 0.64% | 0.68% |
| ██▅▅▅▄▁▁ | Efficiency Ratio (%) | 89.7% | 87.8% | 82.8% | 81.3% | 81.0% | 79.5% | 72.5% | 71.6% |
| █▃▁▁▂▂▁▁ | Cost of Funds (%) | 0.80% | 0.57% | 0.47% | 0.47% | 0.53% | 0.53% | 0.49% | 0.50% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▂▂▃▅▆▆█ | Tang. Book Value ($M) | $28 | $28 | $28 | $28 | $28 | $29 | $29 | $29 |
| ▆████▁▂▇ | Gross Loans ($M) | $54 | $55 | $55 | $56 | $55 | $51 | $52 | $55 |
| ▁▁▁▄▂█▇█ | Total Deposits ($M) | $139 | $139 | $138 | $141 | $139 | $144 | $144 | $145 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 94% |
| C&I / Commercial | 4% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 71% |