Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.35% | +0.41 | 0.94% |
| Return on Equity (%) | ▲ | 8.84% | +1.83 | 7.01% |
| Net Interest Margin (%) | ▲ | 4.55% | +0.67 | 3.88% |
| Efficiency Ratio (%) | ▲ | 60.54% | -4.45 | 64.99% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.17 | $1 |
| Cost of Funds (%) | ▲ | 1.68% | -0.44 | 2.13% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $159 | -5.62 | $165 |
| Gross Loans ($M) | ▲ | $120 | +3.46 | $116 |
| Loan Growth YoY (%) | ▼ | 96.07% | -1.55 | 97.62% |
| Total Deposits ($M) | ▲ | $123 | +5.50 | $118 |
| Shareholders Equity ($M) | ▲ | $26 | +2.25 | $24 |
| Tang. Book Value ($M) | ▲ | $26 | +2.25 | $24 |
| Loan / Deposit Ratio (%) | ▼ | 96.07% | -1.55 | 97.62% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.09% | +0.05 | 0.04% |
| Allowance / Loans (%) | — | 1.38% | -0.04% | 1.42% |
| Net Charge-Off Ratio (%) | ▼ | 0.13% | +0.06 | 0.06% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 23.63% | +2.04 | 21.59% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▂▂▂██ | Net Interest Margin (%) | 3.79% | 3.72% | 3.91% | 3.88% | 3.86% | 3.92% | 4.49% | 4.55% |
| ▂▁▅▃▄▄██ | Return on Assets (%) | 0.82% | 0.73% | 1.12% | 0.94% | 1.02% | 1.07% | 1.42% | 1.35% |
| ██▄▄▃▂▁▁ | Efficiency Ratio (%) | 70.9% | 70.4% | 64.5% | 65.0% | 63.6% | 62.4% | 60.1% | 60.5% |
| █▆▅█▃▁▁▁ | Cost of Funds (%) | 2.18% | 2.04% | 1.96% | 2.13% | 1.85% | 1.69% | 1.72% | 1.68% |
| ▁▁▁▄▄▁▁█ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.04% | 0.05% | 0.00% | 0.00% | 0.09% |
| ▁▁▁▄▅▁▁█ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.06% | 0.08% | 0.00% | 0.00% | 0.13% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $23 | $23 | $23 | $24 | $25 | $25 | $25 | $26 |
| ▇▅▆▄▁██▆ | Gross Loans ($M) | $122 | $119 | $120 | $116 | $110 | $125 | $124 | $120 |
| ▂▇▂▁█▇▃▂ | Total Deposits ($M) | $121 | $136 | $121 | $118 | $141 | $137 | $125 | $123 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 93% |
| C&I / Commercial | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 39% |
| Interest-Bearing (core) | 38% |
| Brokered / Other | 22% |