Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.55% | -0.01 | 2.56% |
| Return on Equity (%) | ▲ | 17.13% | +1.72 | 15.41% |
| Net Interest Margin (%) | ▲ | 4.91% | +0.13 | 4.78% |
| Efficiency Ratio (%) | ▲ | 41.59% | -3.23 | 44.82% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $1 |
| Cost of Funds (%) | ▲ | 1.84% | -0.02 | 1.85% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $128 | +24.90 | $103 |
| Gross Loans ($M) | ▲ | $87 | +14.97 | $72 |
| Loan Growth YoY (%) | ▼ | 78.96% | -4.04 | 83.00% |
| Total Deposits ($M) | ▲ | $108 | +23.31 | $85 |
| Shareholders Equity ($M) | ▲ | $19 | +1.41 | $17 |
| Tang. Book Value ($M) | ▲ | $19 | +1.41 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +1.96 | $18 |
| Loan / Deposit Ratio (%) | ▼ | 78.96% | -4.04 | 83.00% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.31% | -0.48 | 1.78% |
| Allowance / Loans (%) | — | 1.52% | -0.32% | 1.84% |
| Net Charge-Off Ratio (%) | ▲ | 1.85% | -0.70 | 2.55% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▅███▇ | Net Interest Margin (%) | 4.49% | 4.51% | 4.61% | 4.78% | 4.97% | 4.96% | 5.02% | 4.91% |
| ▃▁█▇▇▃▂▆ | Return on Assets (%) | 2.29% | 2.07% | 2.72% | 2.56% | 2.60% | 2.31% | 2.22% | 2.55% |
| ▆█▃▃▄▆▁▁ | Efficiency Ratio (%) | 47.4% | 51.0% | 44.0% | 44.8% | 45.5% | 47.4% | 41.1% | 41.6% |
| ██▅▄▁█▄▃ | Cost of Funds (%) | 1.98% | 1.97% | 1.88% | 1.85% | 1.76% | 1.96% | 1.86% | 1.84% |
| ▄▄▃▇█▇▅▁ | NPA / Assets (%) | 1.53% | 1.53% | 1.46% | 1.78% | 1.87% | 1.74% | 1.59% | 1.31% |
| ▆▄▄███▄▁ | Net Charge-Off Ratio (%) | 2.33% | 2.18% | 2.13% | 2.55% | 2.55% | 2.49% | 2.19% | 1.85% |
| ▁▁▂▄▅▅▆█ | Tang. Book Value ($M) | $17 | $16 | $17 | $17 | $18 | $18 | $18 | $19 |
| ▁▂▂▃▆▇██ | Gross Loans ($M) | $64 | $69 | $69 | $72 | $79 | $82 | $84 | $87 |
| ▁▁▁▂▃▆▆█ | Total Deposits ($M) | $81 | $82 | $84 | $85 | $90 | $98 | $101 | $108 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 62% |
| C&I / Commercial | 27% |
| Consumer | 11% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 44% |
| Brokered / Other | 40% |