Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.44% | -0.55 | 2.99% |
| Return on Equity (%) | ▼ | 20.20% | -5.21 | 25.41% |
| Net Interest Margin (%) | ▼ | 4.12% | -0.52 | 4.64% |
| Efficiency Ratio (%) | ▼ | 42.31% | +4.50 | 37.81% |
| Pre-Provision Profit ($M) | ▼ | $2 | -0.34 | $2 |
| Cost of Funds (%) | ▼ | 1.08% | +0.03 | 1.05% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $251 | -15.88 | $267 |
| Gross Loans ($M) | ▲ | $104 | +4.70 | $99 |
| Loan Growth YoY (%) | ▲ | 46.94% | +5.06 | 41.89% |
| Total Deposits ($M) | ▼ | $219 | -15.34 | $234 |
| Shareholders Equity ($M) | ▼ | $32 | -0.32 | $32 |
| Tang. Book Value ($M) | ▼ | $32 | -0.32 | $32 |
| TBV excl. AOCI ($M)** | ▼ | $35 | -0.68 | $35 |
| Loan / Deposit Ratio (%) | ▲ | 46.94% | +5.06 | 41.89% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.34% | 0.01% | 1.33% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▅▄▄▃▁▁ | Net Interest Margin (%) | 5.24% | 5.12% | 4.72% | 4.64% | 4.55% | 4.51% | 4.10% | 4.12% |
| ██▅▅▄▄▁▁ | Return on Assets (%) | 3.39% | 3.27% | 3.00% | 2.99% | 2.90% | 2.85% | 2.43% | 2.44% |
| ▁▂▄▅▅▅██ | Efficiency Ratio (%) | 32.4% | 33.9% | 37.3% | 37.8% | 38.2% | 38.0% | 42.8% | 42.3% |
| ▂▅▁▄█▇██ | Cost of Funds (%) | 1.03% | 1.05% | 1.01% | 1.05% | 1.08% | 1.07% | 1.09% | 1.08% |
| █▁▁▁▁▁▁▁ | NPA / Assets (%) | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| █▁▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▅███▅██ | Tang. Book Value ($M) | $27 | $30 | $32 | $32 | $32 | $30 | $32 | $32 |
| █▇▄▁▁▃▄▄ | Gross Loans ($M) | $110 | $109 | $104 | $99 | $98 | $102 | $104 | $104 |
| ▆▆▇▇▇█▁▁ | Total Deposits ($M) | $230 | $231 | $235 | $234 | $234 | $238 | $217 | $219 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 91% |
| C&I / Commercial | 6% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 3% |