Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.03% | +0.12 | 0.91% |
| Return on Equity (%) | ▲ | 4.31% | +0.33 | 3.98% |
| Net Interest Margin (%) | ▲ | 3.84% | +0.33 | 3.50% |
| Efficiency Ratio (%) | ▲ | 65.80% | -0.82 | 66.61% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.07 | $0 |
| Cost of Funds (%) | ▼ | 0.58% | +0.05 | 0.52% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $137 | -0.70 | $138 |
| Gross Loans ($M) | ▲ | $108 | +4.67 | $104 |
| Loan Growth YoY (%) | ▲ | 103.54% | +1.90 | 101.64% |
| Total Deposits ($M) | ▲ | $104 | +2.66 | $101 |
| Shareholders Equity ($M) | ▲ | $33 | +1.41 | $32 |
| Tang. Book Value ($M) | ▲ | $33 | +1.41 | $32 |
| Loan / Deposit Ratio (%) | ▲ | 103.54% | +1.90 | 101.64% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.02 | 0.02% |
| Allowance / Loans (%) | — | 0.95% | -0.04% | 0.99% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆▇█ | Net Interest Margin (%) | 3.16% | 3.21% | 3.48% | 3.50% | 3.56% | 3.62% | 3.72% | 3.84% |
| ▁▂▃▆▆▇▅█ | Return on Assets (%) | 0.71% | 0.77% | 0.83% | 0.91% | 0.92% | 0.97% | 0.90% | 1.03% |
| █▄▆▂▂▁▅▁ | Efficiency Ratio (%) | 71.6% | 68.6% | 69.5% | 66.6% | 67.0% | 66.1% | 69.0% | 65.8% |
| ▄▁▁▃▅█▅▆ | Cost of Funds (%) | 0.54% | 0.46% | 0.46% | 0.52% | 0.55% | 0.64% | 0.56% | 0.58% |
| ▆▆█▃▁▃▁▁ | NPA / Assets (%) | 0.05% | 0.05% | 0.07% | 0.02% | 0.00% | 0.02% | 0.00% | 0.00% |
| ▇▆█▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.07% | 0.07% | 0.10% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▂▃▄▅▆▇█ | Tang. Book Value ($M) | $31 | $31 | $32 | $32 | $32 | $33 | $33 | $33 |
| ▁▂▄▆▆███ | Gross Loans ($M) | $95 | $97 | $100 | $104 | $104 | $107 | $107 | $108 |
| ▆█▇▁▆▆█▄ | Total Deposits ($M) | $105 | $107 | $106 | $101 | $105 | $105 | $106 | $104 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 97% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 4% |