Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.59% | -0.14 | 0.73% |
| Return on Equity (%) | ▼ | 3.84% | -0.88 | 4.72% |
| Net Interest Margin (%) | ▲ | 4.62% | +0.15 | 4.47% |
| Efficiency Ratio (%) | ▼ | 82.87% | +2.39 | 80.48% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.00 | $0 |
| Cost of Funds (%) | ▲ | 1.15% | -0.04 | 1.19% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $111 | +4.06 | $107 |
| Gross Loans ($M) | ▲ | $74 | +4.23 | $70 |
| Loan Growth YoY (%) | ▲ | 78.38% | +1.73 | 76.64% |
| Total Deposits ($M) | ▲ | $93 | +3.37 | $90 |
| Shareholders Equity ($M) | ▲ | $17 | +0.69 | $16 |
| Tang. Book Value ($M) | ▲ | $17 | +0.69 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 78.38% | +1.73 | 76.64% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.55% | -0.04% | 1.59% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 22.01% | -0.79 | 22.79% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▇▇█▆█ | Net Interest Margin (%) | 3.90% | 4.00% | 4.28% | 4.47% | 4.49% | 4.53% | 4.36% | 4.62% |
| ▁▁████▆▇ | Return on Assets (%) | -0.10% | -0.01% | 0.74% | 0.73% | 0.71% | 0.69% | 0.53% | 0.59% |
| █▇▁▁▁▁▂▁ | Efficiency Ratio (%) | 103.5% | 100.6% | 80.9% | 80.5% | 80.2% | 80.6% | 84.1% | 82.9% |
| ██▅▅▂▁▂▃ | Cost of Funds (%) | 1.25% | 1.24% | 1.19% | 1.19% | 1.13% | 1.11% | 1.13% | 1.15% |
| ▁█▁▁▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.32% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▂▁▃▄▆▇██ | Tang. Book Value ($M) | $16 | $16 | $16 | $16 | $17 | $17 | $17 | $17 |
| ▁▁▃▅▆▆▇█ | Gross Loans ($M) | $64 | $64 | $67 | $70 | $71 | $71 | $72 | $74 |
| ▁▁▂▅█▇▇▇ | Total Deposits ($M) | $85 | $85 | $87 | $90 | $94 | $92 | $93 | $93 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 89% |
| C&I / Commercial | 9% |
| Consumer | 1% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 37% |
| Interest-Bearing (core) | 50% |
| Brokered / Other | 13% |