Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | -0.12% | +0.02 | -0.14% |
| Return on Equity (%) | ▲ | -0.95% | +0.14 | -1.09% |
| Net Interest Margin (%) | ▼ | 4.69% | -0.04 | 4.73% |
| Efficiency Ratio (%) | ▲ | 102.67% | -0.59 | 103.25% |
| Pre-Provision Profit ($M) | ▼ | $-0 | -0.03 | $0 |
| Cost of Funds (%) | ▲ | 2.00% | -0.02 | 2.02% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $101 | -0.43 | $102 |
| Gross Loans ($M) | ▲ | $85 | +7.28 | $78 |
| Loan Growth YoY (%) | ▲ | 121.48% | +9.36 | 112.12% |
| Total Deposits ($M) | ▲ | $69 | +0.71 | $69 |
| Shareholders Equity ($M) | ▼ | $13 | -0.13 | $13 |
| Tang. Book Value ($M) | ▼ | $13 | -0.13 | $13 |
| Loan / Deposit Ratio (%) | ▲ | 121.48% | +9.36 | 112.12% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.67% | +0.05 | 0.62% |
| Allowance / Loans (%) | — | 1.27% | -0.12% | 1.39% |
| Net Charge-Off Ratio (%) | ▲ | 0.80% | -0.01 | 0.81% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▃▂▂▁▂ | Net Interest Margin (%) | 4.99% | 4.97% | 4.64% | 4.73% | 4.70% | 4.69% | 4.63% | 4.69% |
| ▃▃▁▇▇▆██ | Return on Assets (%) | -0.22% | -0.22% | -0.27% | -0.14% | -0.16% | -0.17% | -0.13% | -0.12% |
| ▄▅█▁▂▃▂▁ | Efficiency Ratio (%) | 104.7% | 105.3% | 107.5% | 103.3% | 103.4% | 103.9% | 103.5% | 102.7% |
| █▁▄██▅▁▇ | Cost of Funds (%) | 2.02% | 1.87% | 1.93% | 2.02% | 2.03% | 1.96% | 1.86% | 2.00% |
| █▆▄▁▁▄▃▃ | NPA / Assets (%) | 0.79% | 0.74% | 0.69% | 0.62% | 0.63% | 0.70% | 0.66% | 0.67% |
| █▇▅▁▁▃▂▁ | Net Charge-Off Ratio (%) | 0.96% | 0.93% | 0.89% | 0.81% | 0.79% | 0.85% | 0.83% | 0.80% |
| █▇▅▅▄▂▁▁ | Tang. Book Value ($M) | $13 | $13 | $13 | $13 | $13 | $13 | $13 | $13 |
| ▁▁▃▃▄▆▇█ | Gross Loans ($M) | $75 | $77 | $79 | $78 | $80 | $82 | $83 | $85 |
| ▁▃▇▇▆▆█▇ | Total Deposits ($M) | $58 | $63 | $69 | $69 | $67 | $68 | $71 | $69 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 94% |
| C&I / Commercial | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 56% |
| Brokered / Other | 20% |