Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.76% | +1.09 | -0.33% |
| Return on Equity (%) | ▲ | 7.59% | +10.83 | -3.24% |
| Net Interest Margin (%) | ▲ | 4.16% | +0.16 | 4.01% |
| Efficiency Ratio (%) | ▲ | 79.39% | -2.31 | 81.70% |
| Pre-Provision Profit ($M) | ▲ | $1 | +2.09 | $-1 |
| Cost of Funds (%) | ▲ | 1.09% | -0.04 | 1.13% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $296 | +17.27 | $279 |
| Gross Loans ($M) | ▲ | $225 | +16.32 | $209 |
| Loan Growth YoY (%) | ▲ | 85.05% | +1.78 | 83.27% |
| Total Deposits ($M) | ▲ | $262 | +14.05 | $248 |
| Shareholders Equity ($M) | ▲ | $30 | +1.60 | $28 |
| Tang. Book Value ($M) | ▲ | $30 | +1.63 | $28 |
| TBV excl. AOCI ($M)** | ▲ | $32 | +1.95 | $30 |
| Loan / Deposit Ratio (%) | ▲ | 85.05% | +1.78 | 83.27% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.55% | +0.43 | 0.12% |
| Allowance / Loans (%) | — | 0.94% | -0.10% | 1.04% |
| Net Charge-Off Ratio (%) | ▼ | 0.72% | +0.57 | 0.16% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 15.93% | -0.81 | 16.74% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▇██ | Net Interest Margin (%) | 3.78% | 3.82% | 3.96% | 4.01% | 4.07% | 4.12% | 4.14% | 4.16% |
| ██▇▁▃▃▇█ | Return on Assets (%) | 0.89% | 0.90% | 0.70% | -0.33% | -0.01% | 0.10% | 0.70% | 0.76% |
| ▁▁▄▆▆█▅▂ | Efficiency Ratio (%) | 78.6% | 78.2% | 80.5% | 81.7% | 82.1% | 83.8% | 81.4% | 79.4% |
| ██▅██▆▁▆ | Cost of Funds (%) | 1.14% | 1.13% | 1.08% | 1.13% | 1.12% | 1.10% | 1.00% | 1.09% |
| ▁▁▁▂▁▂▁█ | NPA / Assets (%) | 0.01% | 0.00% | 0.00% | 0.12% | 0.05% | 0.12% | 0.03% | 0.55% |
| ▁▁▁▂▁▂▁█ | Net Charge-Off Ratio (%) | 0.01% | 0.00% | 0.00% | 0.16% | 0.06% | 0.16% | 0.04% | 0.72% |
| ▁▂▃▅▆▇▇█ | Tang. Book Value ($M) | $26 | $27 | $27 | $28 | $29 | $29 | $29 | $30 |
| ▁▁▁▂▃▅▆█ | Gross Loans ($M) | $204 | $206 | $204 | $209 | $210 | $215 | $218 | $225 |
| ▂▅▅▁▃▃██ | Total Deposits ($M) | $251 | $256 | $257 | $248 | $253 | $252 | $263 | $262 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 95% |
| C&I / Commercial | 4% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 4% |