Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.43% | +0.00 | 2.43% |
| Return on Equity (%) | ▼ | 17.07% | -1.74 | 18.81% |
| Net Interest Margin (%) | ▼ | 4.92% | -0.09 | 5.01% |
| Efficiency Ratio (%) | ▲ | 53.21% | -0.76 | 53.96% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.07 | $1 |
| Cost of Funds (%) | ▼ | 1.52% | +0.19 | 1.33% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $214 | +8.26 | $206 |
| Gross Loans ($M) | ▲ | $176 | +7.20 | $169 |
| Loan Growth YoY (%) | ▼ | 96.39% | -9.57 | 105.96% |
| Total Deposits ($M) | ▲ | $180 | +22.82 | $158 |
| Shareholders Equity ($M) | ▲ | $32 | +4.08 | $28 |
| Tang. Book Value ($M) | ▲ | $32 | +4.08 | $28 |
| Loan / Deposit Ratio (%) | ▼ | 96.39% | -9.57 | 105.96% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 3.10% | +3.10 | 0.00% |
| Allowance / Loans (%) | — | 1.30% | 0.11% | 1.19% |
| Net Charge-Off Ratio (%) | ▼ | 3.77% | +3.77 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅███▆▇ | Net Interest Margin (%) | 4.53% | 4.59% | 4.78% | 5.01% | 4.98% | 5.02% | 4.87% | 4.92% |
| ▆▁▁▄▃██▄ | Return on Assets (%) | 2.48% | 2.31% | 2.30% | 2.43% | 2.39% | 2.55% | 2.58% | 2.43% |
| ▁▁███▄▅▇ | Efficiency Ratio (%) | 49.1% | 49.7% | 54.3% | 54.0% | 53.7% | 51.3% | 51.7% | 53.2% |
| ▇█▁▁▅▂▁▅ | Cost of Funds (%) | 1.58% | 1.67% | 1.34% | 1.33% | 1.53% | 1.38% | 1.37% | 1.52% |
| ▂▂▂▁▁▂██ | NPA / Assets (%) | 0.43% | 0.46% | 0.45% | 0.00% | 0.32% | 0.44% | 2.77% | 3.10% |
| ▂▂▂▁▁▂██ | Net Charge-Off Ratio (%) | 0.54% | 0.57% | 0.57% | 0.00% | 0.39% | 0.53% | 4.02% | 3.77% |
| ▁▁▃▃▄▆▇█ | Tang. Book Value ($M) | $26 | $27 | $28 | $28 | $29 | $30 | $31 | $32 |
| █▅▄▃▁▁▁▆ | Gross Loans ($M) | $183 | $174 | $173 | $169 | $164 | $164 | $164 | $176 |
| ▄▅▄▁▁▂█▄ | Total Deposits ($M) | $176 | $185 | $180 | $158 | $158 | $167 | $205 | $180 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 79% |
| C&I / Commercial | 21% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 35% |
| Interest-Bearing (core) | 54% |
| Brokered / Other | 11% |