Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.10% | +0.02 | 2.08% |
| Return on Equity (%) | ▼ | 18.41% | -0.95 | 19.36% |
| Net Interest Margin (%) | ▲ | 4.40% | +0.22 | 4.17% |
| Efficiency Ratio (%) | ▼ | 51.49% | +0.55 | 50.94% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.12 | $1 |
| Cost of Funds (%) | ▲ | 1.66% | -0.01 | 1.67% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $245 | -1.48 | $247 |
| Gross Loans ($M) | ▼ | $195 | -2.76 | $198 |
| Loan Growth YoY (%) | ▼ | 90.85% | -4.08 | 94.93% |
| Total Deposits ($M) | ▲ | $211 | +5.94 | $206 |
| Shareholders Equity ($M) | ▲ | $29 | +1.26 | $28 |
| Tang. Book Value ($M) | ▲ | $29 | +1.26 | $28 |
| Loan / Deposit Ratio (%) | ▼ | 90.85% | -4.08 | 94.93% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.41 | 0.41% |
| Allowance / Loans (%) | — | 1.57% | 0.14% | 1.43% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.52 | 0.52% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.82% | +0.79 | 14.02% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▇▇█▇█ | Net Interest Margin (%) | 3.46% | 3.64% | 4.04% | 4.17% | 4.20% | 4.33% | 4.21% | 4.40% |
| ▁▂█▇▇█▆▇ | Return on Assets (%) | 1.46% | 1.59% | 2.18% | 2.08% | 2.14% | 2.27% | 2.01% | 2.10% |
| ██▃▆▃▁▇▇ | Efficiency Ratio (%) | 52.7% | 52.4% | 49.1% | 50.9% | 49.3% | 47.5% | 51.7% | 51.5% |
| █▂▅▁▁▅▁▁ | Cost of Funds (%) | 2.09% | 1.72% | 1.86% | 1.67% | 1.63% | 1.89% | 1.66% | 1.66% |
| ▅▄▁█▁▁▁▁ | NPA / Assets (%) | 0.23% | 0.18% | 0.00% | 0.41% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▁▁█▁▁▁▁ | Net Charge-Off Ratio (%) | 0.26% | 0.00% | 0.00% | 0.52% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▄▅▇▇██ | Tang. Book Value ($M) | $26 | $26 | $27 | $28 | $28 | $28 | $29 | $29 |
| ▆█▆██▅▁▆ | Gross Loans ($M) | $196 | $198 | $195 | $198 | $199 | $193 | $187 | $195 |
| ▂▁▁▁█▃▄▂ | Total Deposits ($M) | $207 | $205 | $202 | $206 | $241 | $215 | $221 | $211 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 91% |
| C&I / Commercial | 10% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 11% |