Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.10% | -0.08 | 1.18% |
| Return on Equity (%) | ▼ | 8.87% | -1.79 | 10.66% |
| Net Interest Margin (%) | ▲ | 5.85% | +0.12 | 5.73% |
| Efficiency Ratio (%) | ▼ | 75.61% | +2.73 | 72.88% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.17 | $1 |
| Cost of Funds (%) | ▼ | 0.15% | +0.06 | 0.10% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $190 | -10.85 | $201 |
| Gross Loans ($M) | ▼ | $107 | -5.81 | $113 |
| Loan Growth YoY (%) | ▲ | 64.86% | +1.07 | 63.79% |
| Total Deposits ($M) | ▼ | $163 | -11.70 | $175 |
| Shareholders Equity ($M) | ▲ | $25 | +1.67 | $23 |
| Tang. Book Value ($M) | ▲ | $25 | +1.67 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +1.72 | $26 |
| Loan / Deposit Ratio (%) | ▲ | 64.86% | +1.07 | 63.79% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.80% | +0.07 | 0.72% |
| Allowance / Loans (%) | — | 1.42% | -0.01% | 1.43% |
| Net Charge-Off Ratio (%) | ▲ | 1.27% | -0.02 | 1.29% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 22.74% | +2.48 | 20.26% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▆▇█▇█ | Net Interest Margin (%) | 5.40% | 5.47% | 5.61% | 5.73% | 5.75% | 5.85% | 5.79% | 5.85% |
| █▆▄▅▄█▇▁ | Return on Assets (%) | 1.22% | 1.20% | 1.16% | 1.18% | 1.17% | 1.24% | 1.21% | 1.10% |
| ▁▃▄▃▃▃▄█ | Efficiency Ratio (%) | 71.7% | 72.8% | 73.2% | 72.9% | 73.1% | 72.7% | 73.4% | 75.6% |
| ▁▁▁▂▂▂▅█ | Cost of Funds (%) | 0.08% | 0.08% | 0.09% | 0.10% | 0.09% | 0.10% | 0.12% | 0.15% |
| ▅▇▆▄▇▁██ | NPA / Assets (%) | 0.73% | 0.78% | 0.75% | 0.72% | 0.78% | 0.67% | 0.80% | 0.80% |
| █▅▅▄█▁▇▄ | Net Charge-Off Ratio (%) | 1.41% | 1.30% | 1.30% | 1.29% | 1.40% | 1.16% | 1.38% | 1.27% |
| ▁▁▂▃▆███ | Tang. Book Value ($M) | $22 | $22 | $22 | $23 | $24 | $25 | $24 | $25 |
| ▅▅▆█▅█▁▂ | Gross Loans ($M) | $110 | $110 | $111 | $113 | $110 | $112 | $106 | $107 |
| █▆▅▄▃▂▆▁ | Total Deposits ($M) | $186 | $178 | $177 | $175 | $171 | $168 | $179 | $163 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 71% |
| C&I / Commercial | 14% |
| Consumer | 13% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 46% |
| Interest-Bearing (core) | 52% |
| Brokered / Other | 1% |