Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.29% | -0.15 | 1.44% |
| Return on Equity (%) | ▼ | 10.66% | -1.44 | 12.10% |
| Net Interest Margin (%) | ▼ | 4.72% | -0.21 | 4.92% |
| Efficiency Ratio (%) | ▼ | 69.27% | +2.52 | 66.76% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.00 | $1 |
| Cost of Funds (%) | ▼ | 0.87% | +0.01 | 0.86% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $304 | +2.23 | $301 |
| Gross Loans ($M) | ▲ | $166 | +12.25 | $154 |
| Loan Growth YoY (%) | ▲ | 62.59% | +4.40 | 58.19% |
| Total Deposits ($M) | ▲ | $263 | +1.71 | $261 |
| Shareholders Equity ($M) | ▲ | $37 | +0.38 | $37 |
| Tang. Book Value ($M) | ▲ | $37 | +0.38 | $37 |
| TBV excl. AOCI ($M)** | ▲ | $40 | +0.27 | $39 |
| Loan / Deposit Ratio (%) | ▲ | 62.59% | +4.40 | 58.19% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.01% | -0.28% | 1.29% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
Noninterest income ($0.68M) is materially above the typical range relative to net interest income. This may include one-time items. Efficiency ratio may not reflect recurring earnings power.
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▅▅▆▇▁▂ | Net Interest Margin (%) | 5.16% | 5.14% | 4.92% | 4.92% | 4.95% | 5.01% | 4.57% | 4.72% |
| ██▄▄▄▆▁▂ | Return on Assets (%) | 1.80% | 1.77% | 1.46% | 1.44% | 1.46% | 1.57% | 1.16% | 1.29% |
| ▁▁▅▅▅▃█▇ | Efficiency Ratio (%) | 60.7% | 61.7% | 66.4% | 66.8% | 66.6% | 64.8% | 71.5% | 69.3% |
| ▁▄▃▃█▇▆▄ | Cost of Funds (%) | 0.84% | 0.87% | 0.86% | 0.86% | 0.91% | 0.89% | 0.88% | 0.87% |
| ▁██▁▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.04% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁█▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.07% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▇▁▄▅█▄▅▆ | Tang. Book Value ($M) | $37 | $35 | $36 | $37 | $38 | $36 | $37 | $37 |
| ▄▆▁▁▄▅▆█ | Gross Loans ($M) | $159 | $162 | $152 | $154 | $158 | $160 | $162 | $166 |
| █▁▃▃▆▆▆▆ | Total Deposits ($M) | $264 | $259 | $261 | $261 | $263 | $263 | $263 | $263 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 96% |
| C&I / Commercial | 3% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 41% |
| Interest-Bearing (core) | 56% |
| Brokered / Other | 3% |