Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.99% | +0.03 | 1.96% |
| Return on Equity (%) | ▼ | 16.58% | -1.14 | 17.72% |
| Net Interest Margin (%) | ▲ | 4.35% | +0.10 | 4.25% |
| Efficiency Ratio (%) | ▼ | 56.08% | +4.43 | 51.65% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.19 | $1 |
| Cost of Funds (%) | ▲ | 2.08% | -0.83 | 2.91% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $203 | +7.82 | $196 |
| Gross Loans ($M) | ▲ | $152 | +4.17 | $148 |
| Loan Growth YoY (%) | ▼ | 84.60% | -0.58 | 85.18% |
| Total Deposits ($M) | ▲ | $177 | +6.08 | $171 |
| Shareholders Equity ($M) | ▲ | $26 | +1.87 | $24 |
| Tang. Book Value ($M) | ▲ | $26 | +1.87 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +2.06 | $25 |
| Loan / Deposit Ratio (%) | ▼ | 84.60% | -0.58 | 85.18% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.49% | -0.04% | 1.53% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 16.02% | +0.27 | 15.75% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▃▇███▇█ | Net Interest Margin (%) | 3.25% | 3.63% | 4.08% | 4.25% | 4.24% | 4.26% | 4.19% | 4.35% |
| ▁▂▅▇▇▃█▇ | Return on Assets (%) | 0.95% | 1.23% | 1.70% | 1.96% | 1.97% | 1.40% | 2.18% | 1.99% |
| █▆▂▁▁█▁▃ | Efficiency Ratio (%) | 64.6% | 59.5% | 54.4% | 51.6% | 51.0% | 64.3% | 52.3% | 56.1% |
| ██▆▇▂▄▅▁ | Cost of Funds (%) | 3.15% | 3.16% | 2.80% | 2.91% | 2.29% | 2.54% | 2.74% | 2.08% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▃▅▇▇▇█ | Tang. Book Value ($M) | $22 | $22 | $23 | $24 | $25 | $25 | $25 | $26 |
| ▁█▄▄▅█▄▆ | Gross Loans ($M) | $140 | $158 | $148 | $148 | $150 | $157 | $149 | $152 |
| █▅▅▁▆▅▅▂ | Total Deposits ($M) | $200 | $187 | $188 | $171 | $191 | $186 | $189 | $177 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 67% |
| C&I / Commercial | 32% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 7% |