Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.45% | +0.09 | 0.36% |
| Return on Equity (%) | ▲ | 4.85% | +0.88 | 3.97% |
| Net Interest Margin (%) | ▲ | 3.13% | +0.18 | 2.95% |
| Efficiency Ratio (%) | ▲ | 81.40% | -4.08 | 85.48% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.09 | $0 |
| Cost of Funds (%) | ▲ | 1.46% | -0.06 | 1.51% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $141 | +2.31 | $139 |
| Gross Loans ($M) | ▲ | $107 | +2.80 | $104 |
| Loan Growth YoY (%) | ▲ | 83.83% | +1.16 | 82.66% |
| Total Deposits ($M) | ▲ | $128 | +1.63 | $126 |
| Shareholders Equity ($M) | ▲ | $13 | +0.58 | $13 |
| Tang. Book Value ($M) | ▲ | $13 | +0.58 | $13 |
| Loan / Deposit Ratio (%) | ▲ | 83.83% | +1.16 | 82.66% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.80% | +0.15 | 0.64% |
| Allowance / Loans (%) | — | 0.34% | -0.04% | 0.38% |
| Net Charge-Off Ratio (%) | ▼ | 1.05% | +0.19 | 0.86% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▆▇█ | Net Interest Margin (%) | 2.68% | 2.71% | 2.89% | 2.95% | 2.97% | 3.01% | 3.03% | 3.13% |
| ▁▁▂▅▆▅▄█ | Return on Assets (%) | 0.23% | 0.26% | 0.28% | 0.36% | 0.38% | 0.37% | 0.32% | 0.45% |
| ██▅▄▃▃▄▁ | Efficiency Ratio (%) | 91.5% | 90.3% | 87.6% | 85.5% | 84.7% | 84.9% | 86.0% | 81.4% |
| ██▅▂▃▅▁▁ | Cost of Funds (%) | 1.76% | 1.77% | 1.62% | 1.51% | 1.55% | 1.62% | 1.49% | 1.46% |
| ▁▅▅▄████ | NPA / Assets (%) | 0.46% | 0.67% | 0.66% | 0.64% | 0.82% | 0.82% | 0.79% | 0.80% |
| ▁▅▄▄████ | Net Charge-Off Ratio (%) | 0.64% | 0.89% | 0.87% | 0.86% | 1.09% | 1.10% | 1.08% | 1.05% |
| ▁▁▂▄▅▆▇█ | Tang. Book Value ($M) | $12 | $12 | $13 | $13 | $13 | $13 | $13 | $13 |
| ▁▄▃▄▆▃▅█ | Gross Loans ($M) | $102 | $104 | $104 | $104 | $106 | $104 | $105 | $107 |
| █▁▁▃▆▁█▅ | Total Deposits ($M) | $129 | $125 | $125 | $126 | $128 | $125 | $130 | $128 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 95% |
| C&I / Commercial | 4% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 20% |