Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.40% | +0.05 | 0.34% |
| Return on Equity (%) | ▲ | 2.33% | +0.49 | 1.84% |
| Net Interest Margin (%) | ▲ | 4.11% | +0.08 | 4.03% |
| Efficiency Ratio (%) | ▲ | 85.90% | -2.05 | 87.95% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.01 | $0 |
| Cost of Funds (%) | ▲ | 2.47% | -0.31 | 2.78% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $191 | +14.56 | $176 |
| Gross Loans ($M) | ▲ | $154 | +24.25 | $130 |
| Loan Growth YoY (%) | ▲ | 96.92% | +7.56 | 89.36% |
| Total Deposits ($M) | ▲ | $157 | +14.21 | $143 |
| Shareholders Equity ($M) | ▲ | $32 | +0.71 | $32 |
| Tang. Book Value ($M) | ▲ | $32 | +0.75 | $31 |
| Loan / Deposit Ratio (%) | ▲ | 96.92% | +7.56 | 89.36% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.03% | +2.03 | 0.00% |
| Allowance / Loans (%) | — | 1.63% | -0.53% | 2.16% |
| Net Charge-Off Ratio (%) | ▼ | 2.51% | +2.51 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▁▁▁▁▁▂ | Net Interest Margin (%) | 4.62% | 4.50% | 3.97% | 4.03% | 4.05% | 4.03% | 4.01% | 4.11% |
| █▆▁▁▂▁▁▂ | Return on Assets (%) | 1.79% | 1.34% | 0.18% | 0.34% | 0.40% | 0.37% | 0.35% | 0.40% |
| ▁▂█▇▇█▇▇ | Efficiency Ratio (%) | 60.1% | 67.0% | 93.8% | 87.9% | 86.3% | 91.2% | 87.0% | 85.9% |
| █▆▅▄▅▅▂▁ | Cost of Funds (%) | 3.14% | 2.95% | 2.84% | 2.78% | 2.82% | 2.88% | 2.57% | 2.47% |
| ▁▁▁▁▁▁▁█ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.12% | 0.12% | 0.11% | 2.03% |
| ▁▁▁▁▁▁▁█ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.16% | 0.16% | 0.15% | 2.51% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $31 | $31 | $31 | $31 | $32 | $32 | $32 | $32 |
| ▁▂▃▃▅▅▅█ | Gross Loans ($M) | $116 | $123 | $128 | $130 | $140 | $138 | $139 | $154 |
| ▁▂▃▅█▇██ | Total Deposits ($M) | $120 | $126 | $132 | $143 | $153 | $152 | $153 | $157 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 96% |
| C&I / Commercial | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 6% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 27% |