Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.54% | -0.04 | 0.57% |
| Return on Equity (%) | ▼ | 6.25% | -0.87 | 7.12% |
| Net Interest Margin (%) | ▲ | 4.80% | +0.01 | 4.79% |
| Efficiency Ratio (%) | ▼ | 85.04% | +2.70 | 82.35% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.01 | $0 |
| Cost of Funds (%) | ▼ | 0.53% | +0.01 | 0.52% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $199 | +6.28 | $193 |
| Gross Loans ($M) | ▲ | $136 | +7.31 | $129 |
| Loan Growth YoY (%) | ▲ | 73.66% | +2.01 | 71.65% |
| Total Deposits ($M) | ▲ | $182 | +4.79 | $177 |
| Shareholders Equity ($M) | ▲ | $17 | +1.46 | $16 |
| Tang. Book Value ($M) | ▲ | $17 | +1.46 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +1.72 | $17 |
| Loan / Deposit Ratio (%) | ▲ | 73.66% | +2.01 | 71.65% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.02 | 0.02% |
| Allowance / Loans (%) | — | 1.60% | 0.08% | 1.52% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.04 | 0.04% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 14.60% | -0.11 | 14.72% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▅▆▆▄▅ | Net Interest Margin (%) | 4.85% | 4.86% | 4.71% | 4.79% | 4.81% | 4.81% | 4.78% | 4.80% |
| █▇▃▃▄▄▁▂ | Return on Assets (%) | 0.84% | 0.76% | 0.57% | 0.57% | 0.63% | 0.63% | 0.47% | 0.54% |
| ▁▂▅▅▅▄█▇ | Efficiency Ratio (%) | 75.6% | 77.8% | 82.1% | 82.3% | 81.1% | 81.0% | 86.4% | 85.0% |
| ▂▁▁▅██▅▅ | Cost of Funds (%) | 0.48% | 0.47% | 0.46% | 0.52% | 0.56% | 0.57% | 0.53% | 0.53% |
| ▁▂▂▂▇█▁▁ | NPA / Assets (%) | 0.00% | 0.02% | 0.02% | 0.02% | 0.13% | 0.15% | 0.00% | 0.00% |
| ▁▂▂▂██▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.03% | 0.03% | 0.04% | 0.20% | 0.22% | 0.00% | 0.00% |
| ▃▁▂▃▆▇▇█ | Tang. Book Value ($M) | $15 | $15 | $15 | $16 | $16 | $17 | $17 | $17 |
| ▁▂▁▁▃▄▆█ | Gross Loans ($M) | $129 | $130 | $128 | $129 | $131 | $131 | $134 | $136 |
| ▁▃▇▇▇▇▇█ | Total Deposits ($M) | $160 | $168 | $178 | $177 | $178 | $177 | $178 | $182 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 91% |
| C&I / Commercial | 6% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 53% |
| Interest-Bearing (core) | 44% |
| Brokered / Other | 2% |