Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | — | 2.72% | 0.00 | 2.72% |
| Return on Equity (%) | ▼ | 41.71% | -8.12 | 49.83% |
| Net Interest Margin (%) | ▲ | 4.99% | +0.06 | 4.93% |
| Efficiency Ratio (%) | ▼ | 48.21% | +1.81 | 46.40% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.10 | $1 |
| Cost of Funds (%) | ▲ | 0.68% | -0.03 | 0.71% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $162 | +10.95 | $151 |
| Gross Loans ($M) | ▲ | $98 | +8.54 | $90 |
| Loan Growth YoY (%) | ▲ | 64.06% | +1.74 | 62.32% |
| Total Deposits ($M) | ▲ | $151 | +9.37 | $142 |
| Shareholders Equity ($M) | ▲ | $10 | +1.55 | $9 |
| Tang. Book Value ($M) | ▲ | $10 | +1.55 | $9 |
| TBV excl. AOCI ($M)** | ▲ | $13 | +1.64 | $11 |
| Loan / Deposit Ratio (%) | ▲ | 64.06% | +1.74 | 62.32% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.16% | -0.50 | 0.66% |
| Allowance / Loans (%) | — | 1.27% | -0.04% | 1.32% |
| Net Charge-Off Ratio (%) | ▲ | 0.25% | -0.23 | 0.48% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 16.35% | -0.54 | 16.89% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▇▇████ | Net Interest Margin (%) | 4.50% | 4.60% | 4.94% | 4.93% | 5.03% | 5.02% | 4.97% | 4.99% |
| ▁▁█▅▇▇▇▅ | Return on Assets (%) | 2.39% | 2.40% | 2.93% | 2.72% | 2.84% | 2.83% | 2.81% | 2.72% |
| ██▁▆▆▆▆█ | Efficiency Ratio (%) | 48.1% | 47.6% | 42.2% | 46.4% | 46.1% | 46.4% | 46.4% | 48.2% |
| █▆▁▇█▂▁▃ | Cost of Funds (%) | 0.72% | 0.70% | 0.66% | 0.71% | 0.72% | 0.68% | 0.67% | 0.68% |
| █▇▇█▁▁▁▂ | NPA / Assets (%) | 0.72% | 0.60% | 0.59% | 0.66% | 0.07% | 0.02% | 0.03% | 0.16% |
| █▇▅▃▁▁▁▂ | Net Charge-Off Ratio (%) | 1.25% | 1.06% | 0.66% | 0.48% | 0.10% | 0.03% | 0.03% | 0.25% |
| ▄▁▁▃██▅▇ | Tang. Book Value ($M) | $9 | $8 | $8 | $9 | $11 | $11 | $10 | $10 |
| ▁▁▁▂▄▄▆█ | Gross Loans ($M) | $88 | $87 | $87 | $90 | $92 | $92 | $95 | $98 |
| ▂▃▄▁▁▇██ | Total Deposits ($M) | $143 | $144 | $145 | $142 | $141 | $149 | $150 | $151 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 89% |
| C&I / Commercial | 2% |
| Consumer | 7% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 4% |