Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.87% | +0.13 | 0.75% |
| Return on Equity (%) | ▲ | 6.47% | +0.47 | 6.00% |
| Net Interest Margin (%) | ▲ | 3.90% | +0.41 | 3.49% |
| Efficiency Ratio (%) | ▲ | 62.80% | -6.70 | 69.50% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.42 | $1 |
| Cost of Funds (%) | ▲ | 1.31% | -0.12 | 1.43% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $329 | +4.89 | $324 |
| Gross Loans ($M) | ▲ | $207 | +13.90 | $193 |
| Loan Growth YoY (%) | ▲ | 73.26% | +5.11 | 68.15% |
| Total Deposits ($M) | ▼ | $279 | -0.50 | $279 |
| Shareholders Equity ($M) | ▲ | $45 | +5.08 | $40 |
| Tang. Book Value ($M) | ▲ | $45 | +5.10 | $40 |
| TBV excl. AOCI ($M)** | ▲ | $50 | +5.08 | $45 |
| Loan / Deposit Ratio (%) | ▲ | 73.26% | +5.11 | 68.15% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.81% | +0.61 | 1.19% |
| Allowance / Loans (%) | — | 1.21% | -0.09% | 1.30% |
| Net Charge-Off Ratio (%) | ▼ | 2.87% | +0.97 | 1.90% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▁▃▅██ | Net Interest Margin (%) | 3.43% | 3.46% | 3.44% | 3.49% | 3.59% | 3.67% | 3.85% | 3.90% |
| ▂▁▁▂▄▅██ | Return on Assets (%) | 0.75% | 0.73% | 0.73% | 0.75% | 0.79% | 0.82% | 0.89% | 0.87% |
| ██▆▅▅▅▂▁ | Efficiency Ratio (%) | 72.7% | 73.9% | 69.9% | 69.5% | 68.9% | 68.9% | 64.7% | 62.8% |
| ▇█▅▆▆▂▁▁ | Cost of Funds (%) | 1.44% | 1.48% | 1.41% | 1.43% | 1.43% | 1.33% | 1.30% | 1.31% |
| ▁▁▄▅▇▄▅█ | NPA / Assets (%) | 0.19% | 0.31% | 0.88% | 1.19% | 1.44% | 0.98% | 1.18% | 1.81% |
| ▁▁▄▆▇▅▆█ | Net Charge-Off Ratio (%) | 0.12% | 0.32% | 1.33% | 1.90% | 2.30% | 1.61% | 1.95% | 2.87% |
| ▂▁▂▂▅▇██ | Tang. Book Value ($M) | $40 | $38 | $40 | $40 | $42 | $44 | $44 | $45 |
| ▁▁▁▃▆▆▇█ | Gross Loans ($M) | $185 | $186 | $185 | $193 | $198 | $201 | $202 | $207 |
| ▁▂▅▆▆▇█▅ | Total Deposits ($M) | $266 | $271 | $278 | $279 | $279 | $283 | $286 | $279 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 92% |
| C&I / Commercial | 5% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 79% |
| Brokered / Other | 6% |