Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.24% | -0.12 | 1.36% |
| Return on Equity (%) | ▼ | 13.56% | -1.59 | 15.15% |
| Net Interest Margin (%) | ▲ | 4.56% | +0.10 | 4.46% |
| Efficiency Ratio (%) | ▼ | 57.58% | +0.48 | 57.10% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.00 | $1 |
| Cost of Funds (%) | ▲ | 1.60% | -0.27 | 1.87% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $104 | -2.19 | $106 |
| Gross Loans ($M) | ▲ | $83 | +0.44 | $82 |
| Loan Growth YoY (%) | ▲ | 88.06% | +1.96 | 86.10% |
| Total Deposits ($M) | ▼ | $92 | -1.50 | $94 |
| Shareholders Equity ($M) | ▼ | $9 | -0.35 | $10 |
| Tang. Book Value ($M) | ▼ | $8 | -0.35 | $9 |
| Loan / Deposit Ratio (%) | ▲ | 88.06% | +1.96 | 86.10% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.99% | +1.41 | 0.58% |
| Allowance / Loans (%) | — | 1.36% | -0.10% | 1.46% |
| Net Charge-Off Ratio (%) | ▼ | 2.51% | +1.75 | 0.75% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.41% | -0.52 | 12.93% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▇▇▇█▇█ | Net Interest Margin (%) | 3.85% | 4.01% | 4.39% | 4.46% | 4.46% | 4.48% | 4.39% | 4.56% |
| ▁▂████▆▇ | Return on Assets (%) | 0.69% | 0.82% | 1.29% | 1.36% | 1.34% | 1.33% | 1.16% | 1.24% |
| █▆▁▁▁▁▁▁ | Efficiency Ratio (%) | 68.3% | 64.8% | 58.2% | 57.1% | 57.4% | 57.4% | 57.9% | 57.6% |
| ▆█▆▇▇▆▅▁ | Cost of Funds (%) | 1.83% | 1.93% | 1.82% | 1.87% | 1.85% | 1.81% | 1.77% | 1.60% |
| ▁▁▁▂▁▅▇█ | NPA / Assets (%) | 0.18% | 0.29% | 0.27% | 0.58% | 0.23% | 1.27% | 1.57% | 1.99% |
| ▁▁▁▂▁▆▇█ | Net Charge-Off Ratio (%) | 0.24% | 0.38% | 0.35% | 0.75% | 0.31% | 1.74% | 1.97% | 2.51% |
| ▁▂▂▄▆█▁▂ | Tang. Book Value ($M) | $8 | $8 | $8 | $9 | $9 | $10 | $8 | $8 |
| ▂▁▃▆▄▃█▇ | Gross Loans ($M) | $80 | $79 | $81 | $82 | $81 | $80 | $83 | $83 |
| ▆▃▁▃▇█▁▁ | Total Deposits ($M) | $96 | $94 | $93 | $94 | $97 | $97 | $92 | $92 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 12% |
| Consumer | 2% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 17% |