Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.78% | +0.20 | 1.58% |
| Return on Equity (%) | ▲ | 13.23% | +1.44 | 11.79% |
| Net Interest Margin (%) | ▲ | 3.30% | +0.22 | 3.08% |
| Efficiency Ratio (%) | ▲ | 44.11% | -0.53 | 44.64% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.06 | $2 |
| Cost of Funds (%) | ▲ | 1.93% | -0.30 | 2.23% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $378 | +6.31 | $371 |
| Gross Loans ($M) | ▲ | $284 | +15.43 | $268 |
| Loan Growth YoY (%) | ▲ | 86.08% | +3.56 | 82.52% |
| Total Deposits ($M) | ▲ | $324 | +4.47 | $320 |
| Shareholders Equity ($M) | ▲ | $52 | +1.92 | $50 |
| Tang. Book Value ($M) | ▲ | $52 | +1.92 | $50 |
| TBV excl. AOCI ($M)** | ▲ | $53 | +2.00 | $51 |
| Loan / Deposit Ratio (%) | ▲ | 86.08% | +3.56 | 82.52% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.71% | +0.10 | 0.61% |
| Allowance / Loans (%) | — | 1.62% | -0.01% | 1.63% |
| Net Charge-Off Ratio (%) | ▼ | 0.69% | +0.15 | 0.54% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 23.12% | +0.32 | 22.80% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▂▃▄▆▆ | Net Interest Margin (%) | 3.47% | 3.41% | 3.01% | 3.08% | 3.13% | 3.20% | 3.31% | 3.30% |
| ▁▇▄▆▆▃██ | Return on Assets (%) | 1.05% | 1.69% | 1.43% | 1.58% | 1.57% | 1.26% | 1.82% | 1.78% |
| █▂▂▁▂▆▁▁ | Efficiency Ratio (%) | 64.0% | 46.2% | 44.9% | 44.6% | 45.8% | 56.5% | 42.1% | 44.1% |
| ▁▅▅█▆▂▁▂ | Cost of Funds (%) | 1.89% | 2.06% | 2.07% | 2.23% | 2.12% | 1.93% | 1.91% | 1.93% |
| ▁█▂▃▄▁▄▇ | NPA / Assets (%) | 0.55% | 0.75% | 0.58% | 0.61% | 0.63% | 0.54% | 0.62% | 0.71% |
| ▇▇▂▃▅▁▄█ | Net Charge-Off Ratio (%) | 0.66% | 0.65% | 0.52% | 0.54% | 0.58% | 0.47% | 0.58% | 0.69% |
| ▁▄▅▆▆▅▇█ | Tang. Book Value ($M) | $46 | $48 | $49 | $50 | $50 | $50 | $51 | $52 |
| ▃▃▁▂▃▇██ | Gross Loans ($M) | $271 | $269 | $264 | $268 | $271 | $281 | $285 | $284 |
| ▁▂█▇████ | Total Deposits ($M) | $297 | $304 | $324 | $320 | $326 | $327 | $325 | $324 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 6% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 10% |