Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.42% | +0.16 | 0.26% |
| Return on Equity (%) | ▲ | 5.11% | +1.73 | 3.38% |
| Net Interest Margin (%) | ▲ | 3.76% | +0.44 | 3.32% |
| Efficiency Ratio (%) | ▲ | 83.20% | -3.12 | 86.32% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.13 | $1 |
| Cost of Funds (%) | ▲ | 1.82% | -0.08 | 1.90% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $387 | -3.54 | $390 |
| Gross Loans ($M) | ▼ | $335 | -3.61 | $339 |
| Loan Growth YoY (%) | ▲ | 108.94% | +1.85 | 107.10% |
| Total Deposits ($M) | ▼ | $304 | -8.61 | $313 |
| Shareholders Equity ($M) | ▲ | $33 | +2.06 | $30 |
| Tang. Book Value ($M) | ▲ | $33 | +2.06 | $30 |
| TBV excl. AOCI ($M)** | ▲ | $34 | +2.36 | $32 |
| Loan / Deposit Ratio (%) | ▲ | 108.94% | +1.85 | 107.10% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.58% | +0.67 | 1.91% |
| Allowance / Loans (%) | — | 1.05% | 0.01% | 1.04% |
| Net Charge-Off Ratio (%) | ▼ | 2.98% | +0.77 | 2.20% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.48% | +1.50 | 11.98% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆▇█ | Net Interest Margin (%) | 2.93% | 2.98% | 3.17% | 3.32% | 3.44% | 3.52% | 3.65% | 3.76% |
| ▁▁▄▅▆▇██ | Return on Assets (%) | 0.08% | 0.11% | 0.23% | 0.26% | 0.33% | 0.37% | 0.42% | 0.42% |
| ██▄▃▁▁▁▁ | Efficiency Ratio (%) | 94.9% | 93.5% | 88.9% | 86.3% | 83.7% | 83.2% | 84.4% | 83.2% |
| █▆▄▂▂▂▁▁ | Cost of Funds (%) | 2.20% | 2.10% | 1.98% | 1.90% | 1.89% | 1.87% | 1.86% | 1.82% |
| ▃▁▂▃▅▅▇█ | NPA / Assets (%) | 1.84% | 1.51% | 1.71% | 1.91% | 2.14% | 2.17% | 2.41% | 2.58% |
| ▃▁▂▃▆▅▇█ | Net Charge-Off Ratio (%) | 2.09% | 1.76% | 1.94% | 2.20% | 2.52% | 2.49% | 2.75% | 2.98% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $30 | $29 | $30 | $30 | $31 | $32 | $32 | $33 |
| ▁▁▄▇▇█▆▅ | Gross Loans ($M) | $329 | $329 | $334 | $339 | $338 | $341 | $337 | $335 |
| ▇▆▅▇██▁▄ | Total Deposits ($M) | $312 | $310 | $306 | $313 | $316 | $314 | $295 | $304 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 97% |
| C&I / Commercial | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 12% |