Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.15% | +0.19 | 0.97% |
| Return on Equity (%) | ▲ | 11.51% | +1.09 | 10.42% |
| Net Interest Margin (%) | ▲ | 4.65% | +0.83 | 3.82% |
| Efficiency Ratio (%) | ▲ | 60.88% | -7.85 | 68.73% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.19 | $0 |
| Cost of Funds (%) | ▲ | 1.18% | -0.39 | 1.57% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $102 | +2.84 | $99 |
| Gross Loans ($M) | ▲ | $73 | +3.53 | $69 |
| Loan Growth YoY (%) | ▲ | 79.21% | +2.06 | 77.15% |
| Total Deposits ($M) | ▲ | $91 | +2.09 | $89 |
| Shareholders Equity ($M) | ▲ | $10 | +0.76 | $10 |
| Tang. Book Value ($M) | ▲ | $10 | +0.93 | $9 |
| Loan / Deposit Ratio (%) | ▲ | 79.21% | +2.06 | 77.15% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.82% | 0.02% | 0.80% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 15.36% | +0.14 | 15.22% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▄▅██ | Net Interest Margin (%) | 3.22% | 3.33% | 3.77% | 3.82% | 3.92% | 4.05% | 4.57% | 4.65% |
| ▁▁▄▄▆▇█▆ | Return on Assets (%) | 0.61% | 0.67% | 0.92% | 0.97% | 1.10% | 1.23% | 1.40% | 1.15% |
| ██▅▅▃▂▂▁ | Efficiency Ratio (%) | 74.4% | 73.6% | 68.8% | 68.7% | 65.6% | 63.3% | 62.8% | 60.9% |
| █▇▆▅▄▃▁▁ | Cost of Funds (%) | 1.95% | 1.79% | 1.70% | 1.57% | 1.52% | 1.41% | 1.22% | 1.18% |
| ▁▁▁▁▄██▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | 0.12% | 0.11% | 0.00% |
| ▁▁▁▁▄██▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.07% | 0.16% | 0.15% | 0.00% |
| ▁▁▂▄▅▇▇█ | Tang. Book Value ($M) | $8 | $8 | $9 | $9 | $9 | $10 | $10 | $10 |
| ▄▃▄▁▆▇▅█ | Gross Loans ($M) | $71 | $70 | $71 | $69 | $72 | $72 | $71 | $73 |
| ▅▃▁▂█▅▆▆ | Total Deposits ($M) | $91 | $90 | $88 | $89 | $93 | $91 | $92 | $91 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 15% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 4% |