Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.35% | +0.47 | 0.88% |
| Return on Equity (%) | ▲ | 10.74% | +3.48 | 7.26% |
| Net Interest Margin (%) | ▲ | 5.19% | +0.41 | 4.77% |
| Efficiency Ratio (%) | ▲ | 67.50% | -5.24 | 72.74% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.34 | $1 |
| Cost of Funds (%) | ▲ | 2.65% | -0.35 | 3.00% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $285 | +13.49 | $271 |
| Gross Loans ($M) | ▲ | $245 | +19.43 | $225 |
| Loan Growth YoY (%) | ▲ | 110.07% | +9.00 | 101.07% |
| Total Deposits ($M) | ▼ | $220 | -0.60 | $220 |
| Shareholders Equity ($M) | ▲ | $38 | +4.09 | $34 |
| Tang. Book Value ($M) | ▲ | $35 | +4.12 | $31 |
| Loan / Deposit Ratio (%) | ▲ | 110.07% | +9.00 | 101.07% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.76% | +0.17 | 0.59% |
| Allowance / Loans (%) | — | 1.22% | 0.01% | 1.21% |
| Net Charge-Off Ratio (%) | ▼ | 0.88% | +0.18 | 0.70% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▆▁▃▃▄▅▇ | Net Interest Margin (%) | 5.36% | 5.13% | 4.57% | 4.77% | 4.86% | 4.88% | 5.02% | 5.19% |
| ▁▁▄▃▅▇██ | Return on Assets (%) | 0.65% | 0.66% | 0.99% | 0.88% | 1.09% | 1.21% | 1.39% | 1.35% |
| ██▃▅▃▂▁▁ | Efficiency Ratio (%) | 77.9% | 77.5% | 69.4% | 72.7% | 70.2% | 68.5% | 66.1% | 67.5% |
| ▄▄██▄▆▁▁ | Cost of Funds (%) | 2.77% | 2.82% | 3.00% | 3.00% | 2.81% | 2.87% | 2.63% | 2.65% |
| ▁▁▃▂▁█▁▅ | NPA / Assets (%) | 0.49% | 0.51% | 0.61% | 0.59% | 0.53% | 0.95% | 0.47% | 0.76% |
| ▁▁▄▃▁█▁▅ | Net Charge-Off Ratio (%) | 0.61% | 0.60% | 0.78% | 0.70% | 0.63% | 1.09% | 0.57% | 0.88% |
| ▁▄▄▅▆▇██ | Tang. Book Value ($M) | $27 | $30 | $31 | $31 | $32 | $33 | $34 | $35 |
| ▁▅▃▄██▇▇ | Gross Loans ($M) | $192 | $228 | $217 | $225 | $252 | $259 | $249 | $245 |
| ▁▂▅▅█▇█▅ | Total Deposits ($M) | $186 | $198 | $219 | $220 | $246 | $237 | $247 | $220 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 99% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 11% |