Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.24% | -0.03 | 1.27% |
| Return on Equity (%) | ▼ | 14.18% | -1.70 | 15.88% |
| Net Interest Margin (%) | ▼ | 4.84% | -0.05 | 4.89% |
| Efficiency Ratio (%) | ▼ | 68.51% | +1.69 | 66.82% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.11 | $1 |
| Cost of Funds (%) | ▲ | 0.89% | -0.03 | 0.92% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $155 | -1.83 | $157 |
| Gross Loans ($M) | ▼ | $108 | -3.53 | $112 |
| Loan Growth YoY (%) | ▼ | 76.16% | -1.31 | 77.47% |
| Total Deposits ($M) | ▼ | $140 | -2.13 | $142 |
| Shareholders Equity ($M) | ▲ | $14 | +0.79 | $13 |
| Tang. Book Value ($M) | ▲ | $14 | +0.79 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +0.88 | $15 |
| Loan / Deposit Ratio (%) | ▼ | 76.16% | -1.31 | 77.47% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.03% | -0.90 | 0.93% |
| Allowance / Loans (%) | — | 1.29% | 0.01% | 1.27% |
| Net Charge-Off Ratio (%) | ▲ | 0.04% | -1.27 | 1.31% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁███▇▆▇ | Net Interest Margin (%) | 4.67% | 4.68% | 4.90% | 4.89% | 4.90% | 4.85% | 4.84% | 4.84% |
| ▁▁▆▇▇▇█▆ | Return on Assets (%) | 0.91% | 0.89% | 1.24% | 1.27% | 1.27% | 1.26% | 1.37% | 1.24% |
| ██▃▂▂▂▁▃ | Efficiency Ratio (%) | 73.4% | 74.3% | 67.8% | 66.8% | 67.0% | 67.1% | 65.3% | 68.5% |
| ██▃▂▆▄▁▁ | Cost of Funds (%) | 1.02% | 1.01% | 0.93% | 0.92% | 0.99% | 0.94% | 0.89% | 0.89% |
| ▄▄█▄▁▁▁▁ | NPA / Assets (%) | 0.97% | 0.97% | 2.21% | 0.93% | 0.05% | 0.04% | 0.03% | 0.03% |
| ▄▄█▄▁▁▁▁ | Net Charge-Off Ratio (%) | 1.32% | 1.30% | 3.00% | 1.31% | 0.07% | 0.06% | 0.04% | 0.04% |
| ▅▁▄▅▇▇██ | Tang. Book Value ($M) | $13 | $12 | $13 | $13 | $14 | $13 | $14 | $14 |
| ▆▇█▄▂▁▁▁ | Gross Loans ($M) | $114 | $116 | $117 | $112 | $109 | $109 | $108 | $108 |
| ▄▅█▆▁▇▂▃ | Total Deposits ($M) | $141 | $142 | $144 | $142 | $138 | $143 | $140 | $140 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 98% |
| C&I / Commercial | 2% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 7% |