Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.99% | +0.17 | 0.82% |
| Return on Equity (%) | ▼ | 34.87% | -18.59 | 53.46% |
| Net Interest Margin (%) | ▲ | 3.51% | +0.17 | 3.34% |
| Efficiency Ratio (%) | ▲ | 71.52% | -3.98 | 75.50% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.04 | $0 |
| Cost of Funds (%) | ▲ | 1.54% | -0.10 | 1.65% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $143 | +5.13 | $138 |
| Gross Loans ($M) | ▲ | $86 | +15.31 | $71 |
| Loan Growth YoY (%) | ▲ | 61.88% | +9.71 | 52.17% |
| Total Deposits ($M) | ▲ | $138 | +3.87 | $134 |
| Shareholders Equity ($M) | ▲ | $4 | +1.21 | $3 |
| Tang. Book Value ($M) | ▲ | $4 | +1.21 | $3 |
| TBV excl. AOCI ($M)** | ▲ | $6 | +1.00 | $5 |
| Loan / Deposit Ratio (%) | ▲ | 61.88% | +9.71 | 52.17% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.04 | 0.04% |
| Allowance / Loans (%) | — | 0.86% | -0.32% | 1.19% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.08 | 0.08% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 15.30% | -2.26 | 17.56% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▄▁▃▅▆▇█ | Net Interest Margin (%) | 3.25% | 3.37% | 3.27% | 3.34% | 3.41% | 3.43% | 3.47% | 3.51% |
| ▁▃▁▄▃▂█▆ | Return on Assets (%) | 0.62% | 0.79% | 0.62% | 0.82% | 0.80% | 0.73% | 1.13% | 0.99% |
| █▆█▅▆▇▁▃ | Efficiency Ratio (%) | 79.1% | 75.7% | 80.6% | 75.5% | 76.6% | 78.3% | 67.5% | 71.5% |
| ██▃▅▂▆▁▁ | Cost of Funds (%) | 1.71% | 1.70% | 1.60% | 1.65% | 1.59% | 1.65% | 1.56% | 1.54% |
| ▆▁▁▂█▇█▁ | NPA / Assets (%) | 0.17% | 0.00% | 0.00% | 0.04% | 0.26% | 0.21% | 0.27% | 0.00% |
| ▆▁▁▂█▇█▁ | Net Charge-Off Ratio (%) | 0.33% | 0.00% | 0.00% | 0.08% | 0.48% | 0.38% | 0.47% | 0.00% |
| ▅▁▃▅▇█▇█ | Tang. Book Value ($M) | $3 | $1 | $2 | $3 | $4 | $4 | $4 | $4 |
| ▁▁▁▁▄▆▇█ | Gross Loans ($M) | $69 | $69 | $69 | $71 | $76 | $80 | $83 | $86 |
| ▁▁█▄████ | Total Deposits ($M) | $131 | $130 | $137 | $134 | $137 | $138 | $138 | $138 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 12% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 9% |
| Interest-Bearing (core) | 83% |
| Brokered / Other | 8% |