Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.26% | +0.17 | 1.09% |
| Return on Equity (%) | ▲ | 9.10% | +1.11 | 7.99% |
| Net Interest Margin (%) | ▲ | 3.92% | +0.28 | 3.64% |
| Efficiency Ratio (%) | ▲ | 63.83% | -2.34 | 66.17% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.09 | $0 |
| Cost of Funds (%) | ▲ | 1.28% | -0.17 | 1.45% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $136 | +3.92 | $132 |
| Gross Loans ($M) | ▲ | $66 | +0.68 | $65 |
| Loan Growth YoY (%) | ▼ | 55.87% | -0.85 | 56.72% |
| Total Deposits ($M) | ▲ | $116 | +3.03 | $113 |
| Shareholders Equity ($M) | ▲ | $19 | +0.86 | $18 |
| Tang. Book Value ($M) | ▲ | $19 | +0.86 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +0.98 | $20 |
| Loan / Deposit Ratio (%) | ▼ | 55.87% | -0.85 | 56.72% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.13% | -0.07 | 0.20% |
| Allowance / Loans (%) | — | 1.74% | -0.10% | 1.84% |
| Net Charge-Off Ratio (%) | ▲ | 0.28% | -0.13 | 0.40% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▆▁▂▃▄▇█ | Net Interest Margin (%) | 3.83% | 3.81% | 3.55% | 3.64% | 3.68% | 3.73% | 3.84% | 3.92% |
| ▇█▁▂▂▁▅▇ | Return on Assets (%) | 1.26% | 1.31% | 1.04% | 1.09% | 1.10% | 1.05% | 1.21% | 1.26% |
| ▁▅▇▆▆█▄▄ | Efficiency Ratio (%) | 60.7% | 64.8% | 66.8% | 66.2% | 66.2% | 68.4% | 64.5% | 63.8% |
| ▃█▇▆▆▆▂▁ | Cost of Funds (%) | 1.36% | 1.51% | 1.48% | 1.45% | 1.45% | 1.44% | 1.32% | 1.28% |
| ▁▁█▆█▄▄▂ | NPA / Assets (%) | 0.11% | 0.11% | 0.25% | 0.20% | 0.25% | 0.17% | 0.17% | 0.13% |
| ▁▁█▅█▄▄▂ | Net Charge-Off Ratio (%) | 0.23% | 0.23% | 0.50% | 0.40% | 0.52% | 0.36% | 0.36% | 0.28% |
| ▂▁▃▅▇▆▆█ | Tang. Book Value ($M) | $18 | $17 | $18 | $18 | $19 | $19 | $19 | $19 |
| ▆▄▃▆▂▁▃█ | Gross Loans ($M) | $65 | $65 | $64 | $65 | $64 | $64 | $64 | $66 |
| ▆▂▁▄▆█▇█ | Total Deposits ($M) | $115 | $112 | $111 | $113 | $115 | $117 | $115 | $116 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 71% |
| C&I / Commercial | 1% |
| Consumer | 28% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 13% |