Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.15% | +0.19 | 1.96% |
| Return on Equity (%) | ▲ | 16.79% | +0.21 | 16.58% |
| Net Interest Margin (%) | ▲ | 5.44% | +0.26 | 5.19% |
| Efficiency Ratio (%) | ▲ | 60.26% | -1.60 | 61.86% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.08 | $1 |
| Cost of Funds (%) | ▲ | 0.95% | -0.07 | 1.02% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $156 | +2.37 | $154 |
| Gross Loans ($M) | ▲ | $124 | +4.79 | $120 |
| Loan Growth YoY (%) | ▲ | 90.32% | +3.29 | 87.04% |
| Total Deposits ($M) | ▲ | $134 | +0.32 | $134 |
| Shareholders Equity ($M) | ▲ | $20 | +1.99 | $18 |
| Tang. Book Value ($M) | ▲ | $20 | +1.99 | $18 |
| Loan / Deposit Ratio (%) | ▲ | 90.32% | +3.29 | 87.04% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.22% | -1.20 | 1.42% |
| Allowance / Loans (%) | — | 2.43% | -0.01% | 2.45% |
| Net Charge-Off Ratio (%) | ▼ | 0.28% | +0.05 | 0.23% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 18.09% | +1.00 | 17.09% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▆▇▇█ | Net Interest Margin (%) | 4.88% | 4.91% | 5.04% | 5.19% | 5.25% | 5.31% | 5.35% | 5.44% |
| ▁▁▂▄▆▇▇█ | Return on Assets (%) | 1.83% | 1.84% | 1.88% | 1.96% | 2.04% | 2.10% | 2.09% | 2.15% |
| ███▇▃▁▂▁ | Efficiency Ratio (%) | 62.2% | 62.4% | 62.4% | 61.9% | 60.8% | 60.3% | 60.7% | 60.3% |
| ██▅▃▃▂▁▁ | Cost of Funds (%) | 1.28% | 1.25% | 1.11% | 1.02% | 1.02% | 1.00% | 0.92% | 0.95% |
| ▂███▄▂▁▂ | NPA / Assets (%) | 0.23% | 1.44% | 1.44% | 1.42% | 0.72% | 0.23% | 0.05% | 0.22% |
| ▂█▅▁▁▂▁▂ | Net Charge-Off Ratio (%) | 0.29% | 1.78% | 0.97% | 0.23% | 0.16% | 0.29% | 0.06% | 0.28% |
| ▃▁▂▃▅▇▇█ | Tang. Book Value ($M) | $18 | $17 | $18 | $18 | $19 | $20 | $20 | $20 |
| ▄▅▁▂▃▃▇█ | Gross Loans ($M) | $121 | $122 | $118 | $120 | $120 | $120 | $123 | $124 |
| ▁▃▃▅▆▃█▆ | Total Deposits ($M) | $129 | $131 | $132 | $134 | $135 | $131 | $138 | $134 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 7% |
| Consumer | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 11% |