Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.99% | -0.07 | 2.07% |
| Return on Equity (%) | ▼ | 20.80% | -0.41 | 21.21% |
| Net Interest Margin (%) | ▲ | 4.72% | +0.01 | 4.71% |
| Efficiency Ratio (%) | ▼ | 55.75% | +2.36 | 53.39% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.02 | $1 |
| Cost of Funds (%) | ▼ | 1.16% | +0.02 | 1.13% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $142 | +6.02 | $135 |
| Gross Loans ($M) | ▲ | $108 | +1.98 | $106 |
| Loan Growth YoY (%) | ▲ | 102.19% | +1.23 | 100.96% |
| Total Deposits ($M) | ▲ | $105 | +0.60 | $104 |
| Shareholders Equity ($M) | ▲ | $13 | +0.12 | $13 |
| Tang. Book Value ($M) | ▲ | $13 | +0.12 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $14 | +0.19 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 102.19% | +1.23 | 100.96% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.17% | +0.14 | 0.03% |
| Allowance / Loans (%) | — | 1.53% | 0.05% | 1.48% |
| Net Charge-Off Ratio (%) | ▼ | 0.22% | +0.18 | 0.04% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 13.81% | -0.14 | 13.95% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▂▃▃▅▃ | Net Interest Margin (%) | 4.79% | 4.80% | 4.68% | 4.71% | 4.71% | 4.72% | 4.74% | 4.72% |
| ▃▃█▇▅▅▁▄ | Return on Assets (%) | 1.95% | 1.95% | 2.09% | 2.07% | 2.02% | 2.01% | 1.90% | 1.99% |
| ██▁▁▂▃█▄ | Efficiency Ratio (%) | 58.0% | 58.2% | 53.6% | 53.4% | 54.5% | 54.6% | 57.7% | 55.8% |
| ▆▁▁▅▆█▁▅ | Cost of Funds (%) | 1.16% | 1.01% | 1.01% | 1.13% | 1.18% | 1.26% | 1.02% | 1.16% |
| █▃▁▁▁▁▄▇ | NPA / Assets (%) | 0.21% | 0.08% | 0.04% | 0.03% | 0.05% | 0.05% | 0.10% | 0.17% |
| █▃▁▁▁▁▄▇ | Net Charge-Off Ratio (%) | 0.27% | 0.11% | 0.05% | 0.04% | 0.06% | 0.06% | 0.13% | 0.22% |
| ▂▁▄▆██▇█ | Tang. Book Value ($M) | $13 | $13 | $13 | $13 | $13 | $13 | $13 | $13 |
| ▁▄▄▇█▇▇█ | Gross Loans ($M) | $97 | $101 | $102 | $106 | $108 | $106 | $106 | $108 |
| ▁▃▅▃▁█▅▄ | Total Deposits ($M) | $101 | $104 | $105 | $104 | $102 | $110 | $105 | $105 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 92% |
| C&I / Commercial | 4% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 33% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 9% |