Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.93% | +0.35 | 1.58% |
| Return on Equity (%) | ▲ | 13.94% | +1.20 | 12.74% |
| Net Interest Margin (%) | ▲ | 3.93% | +0.44 | 3.50% |
| Efficiency Ratio (%) | ▲ | 38.34% | -2.84 | 41.18% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.45 | $2 |
| Cost of Funds (%) | ▲ | 2.39% | -0.27 | 2.66% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $444 | +11.14 | $433 |
| Gross Loans ($M) | ▲ | $308 | +6.55 | $301 |
| Loan Growth YoY (%) | ▼ | 84.75% | -0.73 | 85.48% |
| Total Deposits ($M) | ▲ | $359 | +10.38 | $349 |
| Shareholders Equity ($M) | ▲ | $63 | +7.83 | $55 |
| Tang. Book Value ($M) | ▲ | $63 | +7.83 | $55 |
| TBV excl. AOCI ($M)** | ▲ | $68 | +7.63 | $60 |
| Loan / Deposit Ratio (%) | ▼ | 84.75% | -0.73 | 85.48% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.15% | +0.05 | 0.10% |
| Allowance / Loans (%) | — | 1.08% | 0.07% | 1.01% |
| Net Charge-Off Ratio (%) | ▼ | 0.08% | +0.07 | 0.01% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▁▂▄██ | Net Interest Margin (%) | 3.48% | 3.46% | 3.44% | 3.50% | 3.56% | 3.63% | 3.94% | 3.93% |
| ▃▁▂▃▃▂██ | Return on Assets (%) | 1.57% | 1.45% | 1.53% | 1.58% | 1.59% | 1.56% | 1.94% | 1.93% |
| ▃▇▆▆▇█▂▁ | Efficiency Ratio (%) | 39.9% | 41.8% | 41.5% | 41.2% | 41.9% | 42.7% | 39.4% | 38.3% |
| ███▇▅▂▁▁ | Cost of Funds (%) | 2.74% | 2.71% | 2.70% | 2.66% | 2.58% | 2.44% | 2.39% | 2.39% |
| █▁█▁▅▅▅▂ | NPA / Assets (%) | 0.45% | 0.10% | 0.43% | 0.10% | 0.29% | 0.28% | 0.30% | 0.15% |
| █▁▇▁▄▁▁▁ | Net Charge-Off Ratio (%) | 0.63% | 0.01% | 0.50% | 0.01% | 0.28% | 0.03% | 0.06% | 0.08% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $52 | $52 | $53 | $55 | $58 | $60 | $61 | $63 |
| ▁▁▁▂▅██▄ | Gross Loans ($M) | $298 | $298 | $297 | $301 | $311 | $320 | $318 | $308 |
| ▁▄▆▅▅███ | Total Deposits ($M) | $338 | $348 | $353 | $349 | $350 | $358 | $357 | $359 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 10% |
| Consumer | 4% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 12% |
| Interest-Bearing (core) | 57% |
| Brokered / Other | 31% |