Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.34% | +0.41 | 1.93% |
| Return on Equity (%) | ▲ | 19.20% | +3.24 | 15.96% |
| Net Interest Margin (%) | ▲ | 4.54% | +0.38 | 4.16% |
| Efficiency Ratio (%) | ▲ | 46.23% | -5.75 | 51.98% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.25 | $2 |
| Cost of Funds (%) | ▲ | 2.97% | -0.30 | 3.27% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $255 | +4.51 | $251 |
| Gross Loans ($M) | ▲ | $235 | +7.70 | $228 |
| Loan Growth YoY (%) | ▲ | 121.22% | +11.54 | 109.67% |
| Total Deposits ($M) | ▼ | $192 | -13.16 | $205 |
| Shareholders Equity ($M) | ▲ | $31 | +0.30 | $31 |
| Tang. Book Value ($M) | ▲ | $31 | +0.31 | $31 |
| Loan / Deposit Ratio (%) | ▲ | 121.22% | +11.54 | 109.67% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.02 | 0.02% |
| Allowance / Loans (%) | — | 0.99% | -0.06% | 1.05% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.03 | 0.03% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▃▁▂▄▅██ | Net Interest Margin (%) | 4.24% | 4.20% | 4.05% | 4.16% | 4.26% | 4.30% | 4.51% | 4.54% |
| ▁▂▁▅▇█▅█ | Return on Assets (%) | 1.43% | 1.61% | 1.46% | 1.93% | 2.17% | 2.23% | 1.96% | 2.34% |
| █▆█▃▁▁▅▁ | Efficiency Ratio (%) | 60.7% | 56.9% | 62.6% | 52.0% | 47.5% | 46.4% | 54.8% | 46.2% |
| █▇▆▇▅▅▁▁ | Cost of Funds (%) | 3.39% | 3.30% | 3.26% | 3.27% | 3.18% | 3.19% | 2.92% | 2.97% |
| ▁▁▁█▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▁█▁▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▂▇██▃█ | Tang. Book Value ($M) | $29 | $29 | $30 | $31 | $31 | $31 | $30 | $31 |
| ▁▃▇▅█▅██ | Gross Loans ($M) | $216 | $222 | $232 | $228 | $235 | $228 | $236 | $235 |
| ▃▁██▅▄▃▂ | Total Deposits ($M) | $195 | $189 | $205 | $205 | $197 | $196 | $193 | $192 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 96% |
| C&I / Commercial | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 6% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 30% |