Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.52% | +2.98 | -2.46% |
| Return on Equity (%) | ▲ | 8.00% | +49.15 | -41.15% |
| Net Interest Margin (%) | ▲ | 3.50% | +0.22 | 3.28% |
| Efficiency Ratio (%) | ▲ | 90.44% | -9.31 | 99.76% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.16 | $0 |
| Cost of Funds (%) | ▲ | 1.36% | -0.05 | 1.40% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $160 | +5.10 | $155 |
| Gross Loans ($M) | ▲ | $69 | +3.73 | $65 |
| Loan Growth YoY (%) | ▲ | 46.78% | +0.33 | 46.44% |
| Total Deposits ($M) | ▲ | $147 | +7.05 | $140 |
| Shareholders Equity ($M) | ▲ | $10 | +1.67 | $9 |
| Tang. Book Value ($M) | ▲ | $10 | +1.67 | $8 |
| TBV excl. AOCI ($M)** | ▲ | $13 | +1.36 | $11 |
| Loan / Deposit Ratio (%) | ▲ | 46.78% | +0.33 | 46.44% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.38% | -0.20 | 0.58% |
| Allowance / Loans (%) | — | 0.86% | -0.11% | 0.97% |
| Net Charge-Off Ratio (%) | ▲ | 0.87% | -0.20 | 1.07% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
Noninterest income ($1.19M) is materially above the typical range relative to net interest income. This may include one-time items. Efficiency ratio may not reflect recurring earnings power.
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▇▆█ | Net Interest Margin (%) | 2.92% | 2.96% | 3.17% | 3.28% | 3.34% | 3.39% | 3.33% | 3.50% |
| ▇▇▆▁▃▄██ | Return on Assets (%) | -0.01% | 0.08% | -0.34% | -2.46% | -1.52% | -1.14% | 0.35% | 0.52% |
| ▅▄█▅▄▄▂▁ | Efficiency Ratio (%) | 99.9% | 98.0% | 107.6% | 99.8% | 97.7% | 98.3% | 93.4% | 90.4% |
| █▇▂▂▂▃▃▁ | Cost of Funds (%) | 1.65% | 1.61% | 1.42% | 1.40% | 1.42% | 1.47% | 1.46% | 1.36% |
| ███▂▂▁▁▁ | NPA / Assets (%) | 1.71% | 1.72% | 1.68% | 0.58% | 0.53% | 0.24% | 0.27% | 0.38% |
| ███▂▂▁▁▁ | Net Charge-Off Ratio (%) | 3.63% | 3.63% | 3.47% | 1.07% | 0.93% | 0.53% | 0.55% | 0.87% |
| █▂▅▁▄▅▅▆ | Tang. Book Value ($M) | $11 | $9 | $9 | $8 | $9 | $9 | $9 | $10 |
| █▄▅▁▅▆▄▄ | Gross Loans ($M) | $73 | $69 | $70 | $65 | $70 | $71 | $68 | $69 |
| ▄▃▁▁▆▄▅█ | Total Deposits ($M) | $142 | $141 | $140 | $140 | $144 | $143 | $143 | $147 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 10% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 11% |