Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.09% | +0.43 | 0.67% |
| Return on Equity (%) | ▲ | 14.03% | +5.03 | 9.00% |
| Net Interest Margin (%) | ▲ | 4.04% | +0.44 | 3.60% |
| Efficiency Ratio (%) | ▲ | 71.87% | -8.75 | 80.63% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.27 | $0 |
| Cost of Funds (%) | ▲ | 1.65% | -0.08 | 1.74% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $255 | +16.77 | $239 |
| Gross Loans ($M) | ▲ | $204 | +15.07 | $189 |
| Loan Growth YoY (%) | ▲ | 89.73% | +3.10 | 86.63% |
| Total Deposits ($M) | ▲ | $225 | +9.02 | $216 |
| Shareholders Equity ($M) | ▲ | $20 | +2.77 | $17 |
| Tang. Book Value ($M) | ▲ | $19 | +2.91 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +2.84 | $18 |
| Loan / Deposit Ratio (%) | ▲ | 89.73% | +3.10 | 86.63% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.39% | +0.26 | 0.13% |
| Allowance / Loans (%) | — | 1.16% | 0.06% | 1.09% |
| Net Charge-Off Ratio (%) | ▼ | 0.49% | +0.33 | 0.16% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -12.19 | 12.19% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆▇█ | Net Interest Margin (%) | 3.27% | 3.32% | 3.51% | 3.60% | 3.70% | 3.79% | 3.94% | 4.04% |
| ▁▁▄▃▄▅██ | Return on Assets (%) | 0.43% | 0.48% | 0.71% | 0.67% | 0.79% | 0.83% | 1.16% | 1.09% |
| ██▆▆▅▄▁▂ | Efficiency Ratio (%) | 85.9% | 84.9% | 80.8% | 80.6% | 77.9% | 76.8% | 69.4% | 71.9% |
| █▇▅▃▅▅▁▁ | Cost of Funds (%) | 1.88% | 1.84% | 1.78% | 1.74% | 1.77% | 1.78% | 1.67% | 1.65% |
| ▂▁▂▁▁▁▁█ | NPA / Assets (%) | 0.15% | 0.12% | 0.16% | 0.13% | 0.13% | 0.13% | 0.10% | 0.39% |
| ▂▁▂▁▁▁▁█ | Net Charge-Off Ratio (%) | 0.20% | 0.15% | 0.20% | 0.16% | 0.17% | 0.17% | 0.13% | 0.49% |
| ▂▁▂▂▅███ | Tang. Book Value ($M) | $17 | $16 | $16 | $16 | $18 | $19 | $19 | $19 |
| ▁▁▃▅▆▇██ | Gross Loans ($M) | $172 | $175 | $180 | $189 | $196 | $200 | $205 | $204 |
| ▁▁▂▃▆▅█▆ | Total Deposits ($M) | $206 | $209 | $211 | $216 | $225 | $223 | $235 | $225 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 88% |
| C&I / Commercial | 9% |
| Consumer | 2% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 10% |