Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.68% | +0.10 | 1.58% |
| Return on Equity (%) | ▲ | 15.70% | +1.20 | 14.50% |
| Net Interest Margin (%) | ▲ | 4.09% | +0.10 | 3.99% |
| Efficiency Ratio (%) | ▲ | 42.54% | -2.19 | 44.72% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.22 | $1 |
| Cost of Funds (%) | ▲ | 2.55% | -0.07 | 2.63% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $214 | +21.79 | $192 |
| Gross Loans ($M) | ▲ | $179 | +19.04 | $160 |
| Loan Growth YoY (%) | ▼ | 131.04% | -5.88 | 136.92% |
| Total Deposits ($M) | ▲ | $135 | +19.48 | $116 |
| Shareholders Equity ($M) | ▲ | $23 | +2.23 | $21 |
| Tang. Book Value ($M) | ▲ | $23 | +2.23 | $21 |
| Loan / Deposit Ratio (%) | ▼ | 131.04% | -5.88 | 136.92% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.04% | 0.06% | 0.98% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▄▁▃▇█▄▇ | Net Interest Margin (%) | 4.01% | 4.00% | 3.92% | 3.99% | 4.07% | 4.12% | 4.02% | 4.09% |
| ▄▃▁▄▄▅▅█ | Return on Assets (%) | 1.59% | 1.55% | 1.51% | 1.58% | 1.58% | 1.62% | 1.61% | 1.68% |
| ▆█▇▅▅▄▃▁ | Efficiency Ratio (%) | 45.1% | 46.1% | 45.3% | 44.7% | 44.4% | 44.2% | 43.7% | 42.5% |
| ▄▃▂███▁▅ | Cost of Funds (%) | 2.53% | 2.50% | 2.49% | 2.63% | 2.62% | 2.61% | 2.45% | 2.55% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▃▄▆▆█ | Tang. Book Value ($M) | $20 | $20 | $20 | $21 | $21 | $22 | $22 | $23 |
| ▁▁▄▅▆▇▇█ | Gross Loans ($M) | $135 | $140 | $152 | $160 | $166 | $172 | $170 | $179 |
| ▁▁▄▅▅▆██ | Total Deposits ($M) | $91 | $96 | $111 | $116 | $115 | $119 | $135 | $135 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 91% |
| C&I / Commercial | 8% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 15% |