Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.85% | +0.32 | 0.53% |
| Return on Equity (%) | ▲ | 9.17% | +3.11 | 6.06% |
| Net Interest Margin (%) | ▲ | 4.93% | +0.48 | 4.45% |
| Efficiency Ratio (%) | ▲ | 70.17% | -11.43 | 81.59% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $0 |
| Cost of Funds (%) | ▲ | 2.12% | -0.32 | 2.44% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $147 | +10.87 | $136 |
| Gross Loans ($M) | ▲ | $112 | +14.16 | $98 |
| Loan Growth YoY (%) | ▲ | 90.52% | +4.88 | 85.63% |
| Total Deposits ($M) | ▲ | $123 | +9.51 | $114 |
| Shareholders Equity ($M) | ▲ | $13 | +1.31 | $12 |
| Tang. Book Value ($M) | ▲ | $13 | +1.31 | $12 |
| TBV excl. AOCI ($M)** | ▲ | $14 | +1.26 | $13 |
| Loan / Deposit Ratio (%) | ▲ | 90.52% | +4.88 | 85.63% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.34% | -1.24 | 1.57% |
| Allowance / Loans (%) | — | 0.53% | -0.08% | 0.61% |
| Net Charge-Off Ratio (%) | ▲ | 0.44% | -1.74 | 2.18% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 13.21% | -0.80 | 14.01% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▄▅▆██ | Net Interest Margin (%) | 3.97% | 4.05% | 4.12% | 4.45% | 4.49% | 4.61% | 4.84% | 4.93% |
| ▁▂▁▄▅▆██ | Return on Assets (%) | 0.33% | 0.38% | 0.29% | 0.53% | 0.60% | 0.70% | 0.90% | 0.85% |
| ███▆▅▄▁▁ | Efficiency Ratio (%) | 88.1% | 86.6% | 87.2% | 81.6% | 79.7% | 77.1% | 71.9% | 70.2% |
| ██▆▅▄▄▂▁ | Cost of Funds (%) | 2.75% | 2.71% | 2.55% | 2.44% | 2.38% | 2.39% | 2.23% | 2.12% |
| ▁▁▁▇▆█▇▂ | NPA / Assets (%) | 0.00% | 0.01% | 0.17% | 1.57% | 1.36% | 2.01% | 1.54% | 0.34% |
| ▁▁▁▇▆█▇▂ | Net Charge-Off Ratio (%) | 0.00% | 0.02% | 0.23% | 2.18% | 1.78% | 2.60% | 1.98% | 0.44% |
| ▁▁▂▃▅▇▇█ | Tang. Book Value ($M) | $11 | $11 | $12 | $12 | $12 | $13 | $13 | $13 |
| ▁▁▁▁▅▆▇█ | Gross Loans ($M) | $99 | $99 | $100 | $98 | $106 | $108 | $110 | $112 |
| ▁▁▄▄▄▄▇█ | Total Deposits ($M) | $106 | $106 | $113 | $114 | $114 | $113 | $119 | $123 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 95% |
| C&I / Commercial | 4% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 10% |