Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.82% | +0.12 | 0.71% |
| Return on Equity (%) | ▲ | 10.44% | +1.57 | 8.87% |
| Net Interest Margin (%) | ▲ | 3.08% | +0.44 | 2.64% |
| Efficiency Ratio (%) | ▼ | 69.90% | +13.00 | 56.91% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.05 | $1 |
| Cost of Funds (%) | ▲ | 1.53% | -0.17 | 1.70% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $318 | +19.69 | $298 |
| Gross Loans ($M) | ▲ | $262 | +11.35 | $251 |
| Loan Growth YoY (%) | ▼ | 89.62% | -1.78 | 91.40% |
| Total Deposits ($M) | ▲ | $291 | +17.95 | $273 |
| Shareholders Equity ($M) | ▲ | $26 | +1.59 | $24 |
| Tang. Book Value ($M) | ▲ | $26 | +1.59 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $28 | +1.91 | $26 |
| Loan / Deposit Ratio (%) | ▼ | 89.62% | -1.78 | 91.40% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.49% | 0.03% | 0.46% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 16.00% | -0.57 | 16.56% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▅██ | Net Interest Margin (%) | 2.20% | 2.26% | 2.62% | 2.64% | 2.67% | 2.75% | 3.05% | 3.08% |
| ▁▂▂▇▆▄▇█ | Return on Assets (%) | 0.32% | 0.39% | 0.44% | 0.71% | 0.64% | 0.55% | 0.72% | 0.82% |
| ██▁▂▃▄▅▅ | Efficiency Ratio (%) | 86.4% | 83.8% | 50.6% | 56.9% | 63.2% | 64.7% | 71.8% | 69.9% |
| █▆▂▆▅▂▁▂ | Cost of Funds (%) | 1.83% | 1.73% | 1.54% | 1.70% | 1.67% | 1.51% | 1.45% | 1.53% |
| ▁▁█▁▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁█▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▄▅▆▇▇█ | Tang. Book Value ($M) | $23 | $23 | $24 | $24 | $25 | $25 | $25 | $26 |
| ▂▁▁▃▆█▆█ | Gross Loans ($M) | $248 | $247 | $246 | $251 | $256 | $261 | $257 | $262 |
| ▁▁▄▃█▇██ | Total Deposits ($M) | $267 | $266 | $277 | $273 | $293 | $290 | $294 | $291 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 98% |
| C&I / Commercial | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 11% |
| Interest-Bearing (core) | 84% |
| Brokered / Other | 5% |