Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.50% | +0.19 | 1.31% |
| Return on Equity (%) | ▲ | 15.31% | +0.71 | 14.60% |
| Net Interest Margin (%) | ▲ | 4.48% | +0.44 | 4.05% |
| Efficiency Ratio (%) | ▲ | 62.90% | -1.08 | 63.98% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.29 | $1 |
| Cost of Funds (%) | ▲ | 1.85% | -0.34 | 2.19% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $399 | +17.22 | $381 |
| Gross Loans ($M) | ▲ | $303 | +19.79 | $283 |
| Loan Growth YoY (%) | ▲ | 86.38% | +1.14 | 85.25% |
| Total Deposits ($M) | ▲ | $346 | +18.03 | $328 |
| Shareholders Equity ($M) | ▲ | $39 | +3.08 | $35 |
| Tang. Book Value ($M) | ▲ | $39 | +3.08 | $35 |
| TBV excl. AOCI ($M)** | ▲ | $41 | +3.58 | $37 |
| Loan / Deposit Ratio (%) | ▲ | 86.38% | +1.14 | 85.25% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.65% | -0.05 | 0.71% |
| Allowance / Loans (%) | — | 1.32% | 0.08% | 1.24% |
| Net Charge-Off Ratio (%) | ▲ | 0.81% | -0.15 | 0.95% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▄▅██ | Net Interest Margin (%) | 3.71% | 3.70% | 4.04% | 4.05% | 4.08% | 4.13% | 4.54% | 4.48% |
| ▁▁▄▃▅▄█▆ | Return on Assets (%) | 1.12% | 1.17% | 1.37% | 1.31% | 1.39% | 1.31% | 1.64% | 1.50% |
| ██▁▄▃▅▂▃ | Efficiency Ratio (%) | 68.5% | 67.7% | 60.6% | 64.0% | 63.4% | 65.3% | 62.0% | 62.9% |
| █▆▅▅▅▃▁▂ | Cost of Funds (%) | 2.51% | 2.28% | 2.18% | 2.19% | 2.19% | 1.99% | 1.71% | 1.85% |
| █▇▄▄▄▃▁▃ | NPA / Assets (%) | 1.06% | 0.95% | 0.76% | 0.71% | 0.71% | 0.69% | 0.48% | 0.65% |
| ██▅▄▄▃▁▂ | Net Charge-Off Ratio (%) | 1.47% | 1.38% | 1.07% | 0.95% | 0.96% | 0.83% | 0.59% | 0.81% |
| ▁▁▅▅▇███ | Tang. Book Value ($M) | $32 | $32 | $35 | $35 | $38 | $38 | $39 | $39 |
| ▁▂▃▅▅▇▇█ | Gross Loans ($M) | $261 | $269 | $275 | $283 | $283 | $293 | $296 | $303 |
| ▁▇▅▄▃▄██ | Total Deposits ($M) | $312 | $338 | $330 | $328 | $323 | $326 | $346 | $346 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 9% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 13% |