Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.44% | +0.30 | 1.14% |
| Return on Equity (%) | ▲ | 9.52% | +1.60 | 7.92% |
| Net Interest Margin (%) | ▲ | 3.73% | +0.38 | 3.35% |
| Efficiency Ratio (%) | ▲ | 59.57% | -4.99 | 64.57% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.10 | $0 |
| Cost of Funds (%) | ▼ | 0.91% | +0.06 | 0.85% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $150 | +3.20 | $147 |
| Gross Loans ($M) | ▲ | $80 | +7.60 | $72 |
| Loan Growth YoY (%) | ▲ | 62.26% | +5.07 | 57.19% |
| Total Deposits ($M) | ▲ | $126 | +2.07 | $124 |
| Shareholders Equity ($M) | ▲ | $23 | +1.09 | $22 |
| Tang. Book Value ($M) | ▲ | $15 | +1.09 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +0.84 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 62.26% | +5.07 | 57.19% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.13% | -0.12% | 1.25% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 19.35% | -4.12 | 23.47% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▅▆██ | Net Interest Margin (%) | 2.96% | 2.99% | 3.23% | 3.35% | 3.43% | 3.49% | 3.71% | 3.73% |
| ▁▁▄▅▆▆██ | Return on Assets (%) | 0.72% | 0.78% | 1.05% | 1.14% | 1.20% | 1.24% | 1.42% | 1.44% |
| ██▄▃▃▂▁▁ | Efficiency Ratio (%) | 75.0% | 73.4% | 66.1% | 64.6% | 63.5% | 62.7% | 59.8% | 59.6% |
| ▁▆▄▅▆▆▅█ | Cost of Funds (%) | 0.79% | 0.86% | 0.84% | 0.85% | 0.87% | 0.87% | 0.86% | 0.91% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▃▅▆███ | Tang. Book Value ($M) | $13 | $12 | $13 | $14 | $14 | $14 | $15 | $15 |
| ▁▄▁▁▃▅█▇ | Gross Loans ($M) | $72 | $75 | $72 | $72 | $75 | $78 | $82 | $80 |
| ▁▅▅▅▆███ | Total Deposits ($M) | $121 | $124 | $124 | $124 | $125 | $127 | $127 | $126 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 96% |
| C&I / Commercial | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 79% |
| Brokered / Other | 6% |