Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.42% | +0.64 | -0.21% |
| Return on Equity (%) | ▲ | 1.80% | +2.93 | -1.13% |
| Net Interest Margin (%) | ▲ | 3.93% | +0.88 | 3.05% |
| Efficiency Ratio (%) | ▲ | 83.66% | -22.05 | 105.70% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.34 | $-0 |
| Cost of Funds (%) | ▲ | 2.09% | -0.39 | 2.48% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $153 | +9.94 | $143 |
| Gross Loans ($M) | ▲ | $101 | +6.50 | $95 |
| Loan Growth YoY (%) | ▲ | 94.27% | +7.53 | 86.75% |
| Total Deposits ($M) | ▼ | $105 | -2.00 | $107 |
| Shareholders Equity ($M) | ▲ | $35 | +6.55 | $28 |
| Tang. Book Value ($M) | ▲ | $35 | +6.55 | $28 |
| TBV excl. AOCI ($M)** | ▲ | $36 | +6.44 | $30 |
| Loan / Deposit Ratio (%) | ▲ | 94.27% | +7.53 | 86.75% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.36 | 0.36% |
| Allowance / Loans (%) | — | 2.55% | 0.20% | 2.36% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 29.85% | +0.36 | 29.49% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▃▄██ | Net Interest Margin (%) | 2.71% | 2.73% | 2.92% | 3.05% | 3.09% | 3.26% | 3.80% | 3.93% |
| ▁▁▁▁█▅▃▃ | Return on Assets (%) | -0.48% | -0.42% | -0.22% | -0.21% | 1.93% | 0.83% | 0.36% | 0.42% |
| ██▇▇▁▁▆▅ | Efficiency Ratio (%) | 118.5% | 117.9% | 104.7% | 105.7% | 28.9% | 34.6% | 85.5% | 83.7% |
| ██▇▆▅▃▁▁ | Cost of Funds (%) | 2.63% | 2.65% | 2.58% | 2.48% | 2.43% | 2.27% | 2.14% | 2.09% |
| ▁▁▁█▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.36% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▂▁▁▁████ | Tang. Book Value ($M) | $29 | $28 | $29 | $28 | $36 | $35 | $35 | $35 |
| ▃▄▄▃▁▂▃█ | Gross Loans ($M) | $95 | $97 | $96 | $95 | $93 | $94 | $95 | $101 |
| ▆█▅▁▂▁▁▁ | Total Deposits ($M) | $117 | $123 | $114 | $107 | $108 | $106 | $105 | $105 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| C&I / Commercial | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 9% |