Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.75% | -0.04 | 0.79% |
| Return on Equity (%) | ▼ | 6.64% | -0.75 | 7.39% |
| Net Interest Margin (%) | ▲ | 3.34% | +0.03 | 3.32% |
| Efficiency Ratio (%) | ▼ | 72.76% | +1.80 | 70.96% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.01 | $1 |
| Cost of Funds (%) | ▲ | 1.72% | -0.31 | 2.02% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $218 | -3.79 | $222 |
| Gross Loans ($M) | ▼ | $88 | -6.51 | $94 |
| Loan Growth YoY (%) | ▼ | 45.22% | -2.19 | 47.41% |
| Total Deposits ($M) | ▼ | $192 | -4.95 | $196 |
| Shareholders Equity ($M) | ▲ | $25 | +1.22 | $24 |
| Tang. Book Value ($M) | ▲ | $25 | +1.22 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $30 | +0.93 | $29 |
| Loan / Deposit Ratio (%) | ▼ | 45.22% | -2.19 | 47.41% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.01% | +0.01 | 0.00% |
| Allowance / Loans (%) | — | 1.36% | 0.13% | 1.22% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 27.91% | +4.10 | 23.82% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▁█▇▇▅██ | Net Interest Margin (%) | 3.17% | 3.13% | 3.33% | 3.32% | 3.32% | 3.27% | 3.36% | 3.34% |
| ▁▃█▇▇▆▇▆ | Return on Assets (%) | 0.50% | 0.59% | 0.84% | 0.79% | 0.79% | 0.74% | 0.76% | 0.75% |
| █▆▁▁▁▂▂▃ | Efficiency Ratio (%) | 81.7% | 78.6% | 69.6% | 71.0% | 71.1% | 72.2% | 72.4% | 72.8% |
| █▄▂▆█▂▁▁ | Cost of Funds (%) | 2.13% | 1.93% | 1.78% | 2.02% | 2.18% | 1.80% | 1.69% | 1.72% |
| █▇▁▁▁▅▅▅ | NPA / Assets (%) | 0.03% | 0.02% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% |
| ██▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.06% | 0.05% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▂▁▃▅▇▇██ | Tang. Book Value ($M) | $23 | $23 | $24 | $24 | $25 | $25 | $25 | $25 |
| ▂▁▂▆█▇▅▂ | Gross Loans ($M) | $88 | $86 | $89 | $94 | $98 | $95 | $93 | $88 |
| ▁▃█▇▄█▆▅ | Total Deposits ($M) | $171 | $182 | $205 | $196 | $184 | $202 | $196 | $192 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 11% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 12% |