Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.78% | +0.40 | 0.38% |
| Return on Equity (%) | ▲ | 7.49% | +3.88 | 3.61% |
| Net Interest Margin (%) | ▲ | 3.02% | +0.05 | 2.96% |
| Efficiency Ratio (%) | ▲ | 66.55% | -10.08 | 76.62% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.12 | $0 |
| Cost of Funds (%) | ▲ | 2.74% | -0.02 | 2.76% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $182 | +1.57 | $181 |
| Gross Loans ($M) | ▼ | $132 | -17.76 | $149 |
| Loan Growth YoY (%) | ▼ | 83.59% | -12.07 | 95.66% |
| Total Deposits ($M) | ▲ | $156 | +1.13 | $154 |
| Shareholders Equity ($M) | ▲ | $20 | +0.81 | $19 |
| Tang. Book Value ($M) | ▲ | $19 | +0.81 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +1.07 | $19 |
| Loan / Deposit Ratio (%) | ▼ | 83.59% | -12.07 | 95.66% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.30% | +0.10 | 0.20% |
| Allowance / Loans (%) | — | 1.31% | 0.12% | 1.19% |
| Net Charge-Off Ratio (%) | ▼ | 0.41% | +0.18 | 0.24% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▆▇██▇█ | Net Interest Margin (%) | 2.46% | 2.50% | 2.91% | 2.96% | 3.01% | 3.06% | 2.95% | 3.02% |
| ▁▁▄▄▅▄██ | Return on Assets (%) | 0.20% | 0.12% | 0.44% | 0.38% | 0.47% | 0.44% | 0.75% | 0.78% |
| ██▅▄▃▃▁▁ | Efficiency Ratio (%) | 89.9% | 90.6% | 79.1% | 76.6% | 75.0% | 74.4% | 66.9% | 66.5% |
| ██▅▅▅▄▁▅ | Cost of Funds (%) | 3.06% | 3.05% | 2.73% | 2.76% | 2.73% | 2.64% | 2.29% | 2.74% |
| █▁▁▃▃▁▁▅ | NPA / Assets (%) | 0.58% | 0.06% | 0.06% | 0.20% | 0.20% | 0.00% | 0.00% | 0.30% |
| █▁▁▃▃▁▁▅ | Net Charge-Off Ratio (%) | 0.75% | 0.08% | 0.07% | 0.24% | 0.24% | 0.00% | 0.00% | 0.41% |
| ▁▁▂▃▅▅▇█ | Tang. Book Value ($M) | $18 | $18 | $18 | $18 | $18 | $18 | $19 | $19 |
| ▄▅██▇▆▄▁ | Gross Loans ($M) | $140 | $143 | $148 | $149 | $147 | $144 | $140 | $132 |
| ▂▁▁▃▃▂█▃ | Total Deposits ($M) | $150 | $146 | $149 | $154 | $155 | $150 | $174 | $156 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 14% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 13% |