Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.09% | -0.03 | 1.12% |
| Return on Equity (%) | ▼ | 8.67% | -1.53 | 10.20% |
| Net Interest Margin (%) | ▲ | 5.76% | +0.62 | 5.14% |
| Efficiency Ratio (%) | ▲ | 71.45% | -0.97 | 72.42% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.05 | $1 |
| Cost of Funds (%) | ▲ | 0.46% | -0.07 | 0.54% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $140 | +6.50 | $133 |
| Gross Loans ($M) | ▲ | $100 | +9.04 | $91 |
| Loan Growth YoY (%) | ▲ | 81.10% | +4.48 | 76.62% |
| Total Deposits ($M) | ▲ | $122 | +4.54 | $117 |
| Shareholders Equity ($M) | ▲ | $18 | +1.97 | $16 |
| Tang. Book Value ($M) | ▲ | $18 | +1.97 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 81.10% | +4.48 | 76.62% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.07% | -0.03 | 0.09% |
| Allowance / Loans (%) | — | 1.12% | -0.00% | 1.12% |
| Net Charge-Off Ratio (%) | ▲ | 0.09% | -0.04 | 0.14% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -17.97 | 17.97% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▃▁▁▂▃██ | Net Interest Margin (%) | 5.35% | 5.31% | 5.10% | 5.14% | 5.22% | 5.27% | 5.76% | 5.76% |
| ▆▅▅▇█▇▁▆ | Return on Assets (%) | 1.11% | 1.08% | 1.08% | 1.12% | 1.17% | 1.12% | 0.95% | 1.09% |
| ▄██▅▂▃▁▁ | Efficiency Ratio (%) | 72.1% | 73.2% | 73.1% | 72.4% | 71.6% | 71.9% | 71.2% | 71.5% |
| ▃▂▄▆█▅▁▃ | Cost of Funds (%) | 0.46% | 0.43% | 0.48% | 0.54% | 0.58% | 0.50% | 0.40% | 0.46% |
| ▁▁▃▂▄█▃▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.21% | 0.09% | 0.26% | 0.64% | 0.22% | 0.07% |
| ▁▁▃▂▄█▃▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.32% | 0.14% | 0.39% | 0.90% | 0.29% | 0.09% |
| ▁▁▂▄▅▆▇█ | Tang. Book Value ($M) | $14 | $14 | $15 | $16 | $16 | $17 | $17 | $18 |
| ▃▁▂▃▃▇▇█ | Gross Loans ($M) | $90 | $87 | $90 | $91 | $91 | $97 | $98 | $100 |
| ▅██▄▅▄▁█ | Total Deposits ($M) | $119 | $123 | $122 | $117 | $119 | $118 | $114 | $122 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 97% |
| C&I / Commercial | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 55% |
| Interest-Bearing (core) | 40% |
| Brokered / Other | 5% |