Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.02% | +0.33 | 0.69% |
| Return on Equity (%) | ▲ | 10.64% | +2.99 | 7.65% |
| Net Interest Margin (%) | ▲ | 3.13% | +0.49 | 2.64% |
| Efficiency Ratio (%) | ▲ | 58.50% | -8.97 | 67.47% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.20 | $0 |
| Cost of Funds (%) | ▼ | 0.80% | +0.01 | 0.78% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $147 | -3.17 | $150 |
| Gross Loans ($M) | ▲ | $81 | +7.75 | $73 |
| Loan Growth YoY (%) | ▲ | 60.61% | +7.47 | 53.14% |
| Total Deposits ($M) | ▼ | $133 | -4.06 | $137 |
| Shareholders Equity ($M) | ▲ | $14 | +0.95 | $13 |
| Tang. Book Value ($M) | ▲ | $14 | +0.95 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +0.40 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 60.61% | +7.47 | 53.14% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.68% | -0.07% | 0.75% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▅▆██ | Net Interest Margin (%) | 2.18% | 2.29% | 2.62% | 2.64% | 2.75% | 2.82% | 3.04% | 3.13% |
| ▁▁▅▅▅▅██ | Return on Assets (%) | 0.33% | 0.38% | 0.73% | 0.69% | 0.68% | 0.71% | 0.98% | 1.02% |
| ██▃▄▄▄▁▁ | Efficiency Ratio (%) | 81.1% | 79.0% | 66.0% | 67.5% | 68.6% | 67.9% | 59.5% | 58.5% |
| █▆▅▁▃▃▁▁ | Cost of Funds (%) | 0.99% | 0.92% | 0.90% | 0.78% | 0.84% | 0.84% | 0.79% | 0.80% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▂▂▃▅▆▆█ | Tang. Book Value ($M) | $13 | $13 | $13 | $13 | $13 | $14 | $14 | $14 |
| ▁▂▂▃▄▅▆█ | Gross Loans ($M) | $70 | $71 | $72 | $73 | $74 | $76 | $78 | $81 |
| ▃▄▁█▂▄▂▅ | Total Deposits ($M) | $130 | $130 | $126 | $137 | $128 | $130 | $128 | $133 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 96% |
| C&I / Commercial | 4% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 47% |
| Interest-Bearing (core) | 45% |
| Brokered / Other | 8% |