Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.71% | -0.06 | 1.77% |
| Return on Equity (%) | ▼ | 13.82% | -1.05 | 14.87% |
| Net Interest Margin (%) | ▲ | 5.00% | +0.05 | 4.95% |
| Efficiency Ratio (%) | ▼ | 59.66% | +1.54 | 58.12% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.01 | $1 |
| Cost of Funds (%) | ▼ | 0.70% | +0.04 | 0.66% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $108 | +2.59 | $105 |
| Gross Loans ($M) | ▲ | $69 | +4.39 | $64 |
| Loan Growth YoY (%) | ▲ | 73.21% | +3.86 | 69.34% |
| Total Deposits ($M) | ▲ | $93 | +1.16 | $92 |
| Shareholders Equity ($M) | ▲ | $14 | +1.31 | $12 |
| Tang. Book Value ($M) | ▲ | $14 | +1.31 | $12 |
| Loan / Deposit Ratio (%) | ▲ | 73.21% | +3.86 | 69.34% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.08% | +0.04 | 0.03% |
| Allowance / Loans (%) | — | 1.10% | -0.07% | 1.17% |
| Net Charge-Off Ratio (%) | ▼ | 0.12% | +0.06 | 0.06% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 23.18% | +1.34 | 21.84% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆▇██▇█ | Net Interest Margin (%) | 4.39% | 4.51% | 4.81% | 4.95% | 5.03% | 5.05% | 4.95% | 5.00% |
| ▄▁▇█▆▂▃█ | Return on Assets (%) | 1.44% | 1.18% | 1.65% | 1.77% | 1.58% | 1.25% | 1.36% | 1.71% |
| ▅█▁▂▃▇▂▃ | Efficiency Ratio (%) | 64.5% | 70.4% | 56.0% | 58.1% | 60.0% | 67.5% | 58.7% | 59.7% |
| ▃▄▁▃▆█▆▆ | Cost of Funds (%) | 0.66% | 0.67% | 0.61% | 0.66% | 0.70% | 0.74% | 0.70% | 0.70% |
| ▂▁▄▃▃▃▂█ | NPA / Assets (%) | 0.02% | 0.01% | 0.04% | 0.03% | 0.03% | 0.03% | 0.03% | 0.08% |
| ▂▁▄▃▃▃▂█ | Net Charge-Off Ratio (%) | 0.04% | 0.02% | 0.06% | 0.06% | 0.05% | 0.05% | 0.04% | 0.12% |
| ▁▁▃▂▄▅▆█ | Tang. Book Value ($M) | $12 | $12 | $13 | $12 | $13 | $13 | $13 | $14 |
| ▁▁▃▅▅▇██ | Gross Loans ($M) | $59 | $61 | $63 | $64 | $65 | $67 | $68 | $69 |
| ▁▁▆▅▅▄█▆ | Total Deposits ($M) | $88 | $87 | $92 | $92 | $91 | $91 | $95 | $93 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 10% |
| Consumer | 5% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 34% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 3% |