Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 3.04% | +0.10 | 2.94% |
| Return on Equity (%) | ▼ | 24.05% | -0.55 | 24.60% |
| Net Interest Margin (%) | ▲ | 5.39% | +0.01 | 5.38% |
| Efficiency Ratio (%) | ▲ | 41.28% | -1.44 | 42.73% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.10 | $1 |
| Cost of Funds (%) | ▲ | 1.26% | -0.16 | 1.41% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $173 | +13.35 | $160 |
| Gross Loans ($M) | ▼ | $117 | -1.09 | $118 |
| Loan Growth YoY (%) | ▼ | 77.08% | -6.77 | 83.85% |
| Total Deposits ($M) | ▲ | $150 | +10.95 | $140 |
| Shareholders Equity ($M) | ▲ | $22 | +2.42 | $20 |
| Tang. Book Value ($M) | ▲ | $22 | +2.42 | $20 |
| Loan / Deposit Ratio (%) | ▼ | 77.08% | -6.77 | 83.85% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.11% | -0.07 | 0.18% |
| Allowance / Loans (%) | — | 0.94% | -0.06% | 1.00% |
| Net Charge-Off Ratio (%) | ▲ | 0.16% | -0.08 | 0.24% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 19.44% | +2.10 | 17.34% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▁▂▂▃▁▂ | Net Interest Margin (%) | 6.10% | 5.94% | 5.24% | 5.38% | 5.43% | 5.49% | 5.33% | 5.39% |
| █▅▁▂▃▄▂▃ | Return on Assets (%) | 3.41% | 3.20% | 2.85% | 2.94% | 3.01% | 3.06% | 2.93% | 3.04% |
| ▂██▆▅▄▁▁ | Efficiency Ratio (%) | 41.5% | 43.2% | 43.4% | 42.7% | 42.6% | 42.3% | 41.3% | 41.3% |
| ▁██▅▅▃▂▂ | Cost of Funds (%) | 1.20% | 1.54% | 1.53% | 1.41% | 1.40% | 1.30% | 1.28% | 1.26% |
| ▁▁▅▄█▃▂▁ | NPA / Assets (%) | 0.10% | 0.09% | 0.20% | 0.18% | 0.29% | 0.15% | 0.12% | 0.11% |
| ▁▁█▇▆▅▃▂ | Net Charge-Off Ratio (%) | 0.12% | 0.12% | 0.28% | 0.24% | 0.22% | 0.21% | 0.18% | 0.16% |
| ▁▂▃▄▆▇██ | Tang. Book Value ($M) | $18 | $19 | $19 | $20 | $20 | $21 | $22 | $22 |
| ▇▄▁▇▅█▅▆ | Gross Loans ($M) | $118 | $115 | $111 | $118 | $116 | $120 | $117 | $117 |
| ▁▅▄▄▃▆██ | Total Deposits ($M) | $132 | $142 | $139 | $140 | $137 | $146 | $150 | $150 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 82% |
| C&I / Commercial | 14% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 10% |