Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.92% | +0.17 | 2.75% |
| Return on Equity (%) | ▲ | 25.07% | +0.65 | 24.42% |
| Net Interest Margin (%) | ▲ | 4.49% | +0.23 | 4.26% |
| Efficiency Ratio (%) | ▲ | 39.38% | -0.30 | 39.68% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.26 | $2 |
| Cost of Funds (%) | ▲ | 1.07% | -0.14 | 1.22% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $315 | +18.11 | $297 |
| Gross Loans ($M) | ▲ | $249 | +6.32 | $243 |
| Loan Growth YoY (%) | ▼ | 88.68% | -2.78 | 91.46% |
| Total Deposits ($M) | ▲ | $278 | +15.34 | $262 |
| Shareholders Equity ($M) | ▲ | $37 | +2.72 | $35 |
| Tang. Book Value ($M) | ▲ | $37 | +2.72 | $35 |
| Loan / Deposit Ratio (%) | ▼ | 88.68% | -2.78 | 91.46% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.06% | -0.02% | 1.08% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▂▁▂▅▅▆█ | Net Interest Margin (%) | 4.25% | 4.25% | 4.20% | 4.26% | 4.34% | 4.35% | 4.40% | 4.49% |
| ▃▂▁▄▅▆▄█ | Return on Assets (%) | 2.69% | 2.66% | 2.58% | 2.75% | 2.76% | 2.83% | 2.73% | 2.92% |
| ▁▅█▂▄▁█▁ | Efficiency Ratio (%) | 39.4% | 40.1% | 40.7% | 39.7% | 39.9% | 39.5% | 40.7% | 39.4% |
| ▄▂███▁▂▁ | Cost of Funds (%) | 1.15% | 1.11% | 1.22% | 1.22% | 1.24% | 1.08% | 1.11% | 1.07% |
| ▁▁▁▁▁█▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% |
| ▁▁▁▁▁█▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% |
| ▂▁▃▄▅▄▇█ | Tang. Book Value ($M) | $33 | $32 | $34 | $35 | $35 | $34 | $36 | $37 |
| ▁█▄▅▂█▅█ | Gross Loans ($M) | $235 | $250 | $242 | $243 | $237 | $249 | $243 | $249 |
| ▁▅▄▄▂█▅█ | Total Deposits ($M) | $248 | $263 | $262 | $262 | $253 | $276 | $265 | $278 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 12% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 36% |
| Interest-Bearing (core) | 49% |
| Brokered / Other | 15% |