Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.85% | +0.28 | 1.57% |
| Return on Equity (%) | ▲ | 14.42% | +2.11 | 12.31% |
| Net Interest Margin (%) | ▲ | 4.35% | +0.13 | 4.22% |
| Efficiency Ratio (%) | ▲ | 43.83% | -2.29 | 46.12% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.54 | $2 |
| Cost of Funds (%) | ▼ | 2.21% | +0.20 | 2.00% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $420 | +33.33 | $386 |
| Gross Loans ($M) | ▲ | $395 | +44.75 | $351 |
| Loan Growth YoY (%) | ▲ | 116.32% | +2.69 | 113.63% |
| Total Deposits ($M) | ▲ | $335 | +31.16 | $304 |
| Shareholders Equity ($M) | ▲ | $56 | +7.18 | $49 |
| Tang. Book Value ($M) | ▲ | $56 | +7.18 | $49 |
| Loan / Deposit Ratio (%) | ▲ | 116.32% | +2.69 | 113.63% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.19 | 0.19% |
| Allowance / Loans (%) | — | 1.52% | -0.09% | 1.61% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.21 | 0.21% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -13.66 | 13.66% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▃▅▆▄█ | Net Interest Margin (%) | 4.37% | 4.36% | 4.14% | 4.22% | 4.26% | 4.29% | 4.23% | 4.35% |
| ▆▆▁▃▄▄▄█ | Return on Assets (%) | 1.72% | 1.71% | 1.45% | 1.57% | 1.62% | 1.61% | 1.63% | 1.85% |
| ▁▂█▇▆▇▇▃ | Efficiency Ratio (%) | 42.3% | 42.9% | 46.8% | 46.1% | 45.6% | 46.2% | 45.9% | 43.8% |
| ▆█▁▁▅▇▆█ | Cost of Funds (%) | 2.15% | 2.22% | 2.03% | 2.00% | 2.12% | 2.17% | 2.14% | 2.21% |
| ▁▁███▇▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.21% | 0.19% | 0.19% | 0.16% | 0.00% | 0.00% |
| ▁▁███▇▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.24% | 0.21% | 0.21% | 0.18% | 0.00% | 0.00% |
| ▁▂▂▄▅▆▇█ | Tang. Book Value ($M) | $44 | $46 | $47 | $49 | $50 | $52 | $54 | $56 |
| ▁▁▂▄▅▆██ | Gross Loans ($M) | $312 | $314 | $323 | $351 | $355 | $373 | $387 | $395 |
| ▁▁▂▄▆▆██ | Total Deposits ($M) | $276 | $278 | $287 | $304 | $318 | $323 | $340 | $335 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 10% |