Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.64% | +0.05 | 0.59% |
| Return on Equity (%) | — | 4.96% | 0.00 | 4.96% |
| Net Interest Margin (%) | ▲ | 3.85% | +0.18 | 3.67% |
| Efficiency Ratio (%) | ▼ | 76.80% | +1.51 | 75.28% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.01 | $1 |
| Cost of Funds (%) | ▲ | 2.42% | -0.41 | 2.83% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $230 | -13.44 | $244 |
| Gross Loans ($M) | ▼ | $188 | -0.14 | $188 |
| Loan Growth YoY (%) | ▲ | 95.11% | +4.27 | 90.84% |
| Total Deposits ($M) | ▼ | $195 | -9.37 | $204 |
| Shareholders Equity ($M) | ▲ | $30 | +1.01 | $29 |
| Tang. Book Value ($M) | ▲ | $30 | +1.01 | $29 |
| Loan / Deposit Ratio (%) | ▲ | 95.11% | +4.27 | 90.84% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.31% | +0.87 | 1.43% |
| Allowance / Loans (%) | — | 1.68% | 0.03% | 1.65% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▆▇██ | Net Interest Margin (%) | 3.49% | 3.53% | 3.62% | 3.67% | 3.72% | 3.80% | 3.83% | 3.85% |
| ▁█▄▄▅▅▄▅ | Return on Assets (%) | 0.46% | 0.77% | 0.59% | 0.59% | 0.62% | 0.64% | 0.60% | 0.64% |
| █▁▆▆▆▆█▇ | Efficiency Ratio (%) | 77.9% | 69.5% | 75.7% | 75.3% | 75.6% | 75.4% | 78.4% | 76.8% |
| █▇▃▄▄▃▁▁ | Cost of Funds (%) | 3.28% | 3.10% | 2.71% | 2.83% | 2.82% | 2.71% | 2.47% | 2.42% |
| ▂▂▂▁▄██▅ | NPA / Assets (%) | 1.63% | 1.77% | 1.72% | 1.43% | 2.12% | 2.85% | 2.88% | 2.31% |
| █▂▂▁▄▇▇▁ | Net Charge-Off Ratio (%) | 2.00% | 0.35% | 0.34% | 0.00% | 0.81% | 1.71% | 1.73% | 0.00% |
| ▁▃▄▅▆███ | Tang. Book Value ($M) | $28 | $29 | $29 | $29 | $30 | $30 | $30 | $30 |
| ▇▇█▃▄▂▁▃ | Gross Loans ($M) | $196 | $195 | $198 | $188 | $190 | $186 | $184 | $188 |
| ▃▁▆█▅▂▂▁ | Total Deposits ($M) | $198 | $195 | $201 | $204 | $200 | $196 | $196 | $195 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 97% |
| C&I / Commercial | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 12% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 17% |