Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.45% | +0.27 | 0.19% |
| Return on Equity (%) | ▲ | 3.69% | +2.30 | 1.39% |
| Net Interest Margin (%) | ▲ | 2.72% | +0.33 | 2.39% |
| Efficiency Ratio (%) | ▲ | 76.98% | -10.20 | 87.17% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.12 | $0 |
| Cost of Funds (%) | ▲ | 2.53% | -0.08 | 2.61% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $161 | +22.02 | $139 |
| Gross Loans ($M) | ▲ | $136 | +16.61 | $119 |
| Loan Growth YoY (%) | ▼ | 121.37% | -2.04 | 123.41% |
| Total Deposits ($M) | ▲ | $111 | +15.27 | $96 |
| Shareholders Equity ($M) | ▲ | $19 | +0.84 | $19 |
| Tang. Book Value ($M) | ▲ | $19 | +0.84 | $19 |
| Loan / Deposit Ratio (%) | ▼ | 121.37% | -2.04 | 123.41% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.31% | -0.47 | 0.78% |
| Allowance / Loans (%) | — | 0.35% | -0.02% | 0.38% |
| Net Charge-Off Ratio (%) | ▲ | 0.37% | -0.54 | 0.92% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆██ | Net Interest Margin (%) | 2.00% | 2.08% | 2.29% | 2.39% | 2.41% | 2.45% | 2.68% | 2.72% |
| ▁▂▅▆▅▆██ | Return on Assets (%) | -0.33% | -0.20% | 0.13% | 0.19% | 0.12% | 0.19% | 0.45% | 0.45% |
| █▇▃▂▃▂▁▁ | Efficiency Ratio (%) | 119.1% | 110.1% | 90.2% | 87.2% | 91.0% | 87.2% | 77.6% | 77.0% |
| ▇█▄▄▁▂▁▂ | Cost of Funds (%) | 2.71% | 2.74% | 2.61% | 2.61% | 2.49% | 2.54% | 2.52% | 2.53% |
| ▁▁▁█▆▄▄▂ | NPA / Assets (%) | 0.18% | 0.18% | 0.21% | 0.78% | 0.58% | 0.45% | 0.47% | 0.31% |
| ▁▁▁█▆▄▄▂ | Net Charge-Off Ratio (%) | 0.21% | 0.22% | 0.25% | 0.92% | 0.69% | 0.53% | 0.55% | 0.37% |
| ▂▁▁▁▃▅▆█ | Tang. Book Value ($M) | $19 | $18 | $19 | $19 | $19 | $19 | $19 | $19 |
| ▁▁▂▃▄▆▇█ | Gross Loans ($M) | $112 | $113 | $117 | $119 | $122 | $128 | $131 | $136 |
| ▁▁▂▁▃▄▆█ | Total Deposits ($M) | $95 | $96 | $97 | $96 | $101 | $102 | $106 | $111 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 101% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 5% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 27% |