Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.83% | +0.12 | 0.72% |
| Return on Equity (%) | ▲ | 9.91% | +0.07 | 9.84% |
| Net Interest Margin (%) | ▲ | 2.80% | +0.33 | 2.47% |
| Efficiency Ratio (%) | ▲ | 64.27% | -3.79 | 68.05% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.06 | $1 |
| Cost of Funds (%) | ▲ | 1.54% | -0.16 | 1.70% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $277 | +2.33 | $274 |
| Gross Loans ($M) | ▲ | $132 | +6.80 | $125 |
| Loan Growth YoY (%) | ▲ | 52.07% | +2.82 | 49.25% |
| Total Deposits ($M) | ▼ | $251 | -0.52 | $251 |
| Shareholders Equity ($M) | ▲ | $23 | +2.96 | $20 |
| Tang. Book Value ($M) | ▲ | $23 | +2.96 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $29 | +3.21 | $26 |
| Loan / Deposit Ratio (%) | ▲ | 52.07% | +2.82 | 49.25% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.35% | +0.10 | 0.25% |
| Allowance / Loans (%) | — | 1.23% | -0.07% | 1.30% |
| Net Charge-Off Ratio (%) | ▼ | 0.69% | +0.15 | 0.54% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 21.67% | +0.26 | 21.42% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▄▄▅▇█ | Net Interest Margin (%) | 2.26% | 2.26% | 2.39% | 2.47% | 2.53% | 2.57% | 2.72% | 2.80% |
| ▁▁▄▆▆▆██ | Return on Assets (%) | 0.51% | 0.47% | 0.62% | 0.72% | 0.71% | 0.73% | 0.79% | 0.83% |
| ▇█▅▃▃▃▁▁ | Efficiency Ratio (%) | 74.5% | 76.4% | 71.2% | 68.1% | 68.2% | 67.9% | 65.2% | 64.3% |
| ██▆▃▃▃▁▁ | Cost of Funds (%) | 1.93% | 1.97% | 1.82% | 1.70% | 1.70% | 1.68% | 1.55% | 1.54% |
| ▅▆▁▆█▄▂█ | NPA / Assets (%) | 0.23% | 0.25% | 0.05% | 0.25% | 0.31% | 0.16% | 0.12% | 0.35% |
| ▆▇▁▆█▄▃█ | Net Charge-Off Ratio (%) | 0.51% | 0.56% | 0.11% | 0.54% | 0.69% | 0.35% | 0.26% | 0.69% |
| ▄▁▃▃▇███ | Tang. Book Value ($M) | $21 | $19 | $20 | $20 | $22 | $23 | $23 | $23 |
| ▁▁▃▄▃▅▇█ | Gross Loans ($M) | $120 | $121 | $124 | $125 | $124 | $128 | $130 | $132 |
| ▁▂▅▅▂▁█▅ | Total Deposits ($M) | $247 | $248 | $251 | $251 | $248 | $248 | $254 | $251 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 97% |
| C&I / Commercial | 1% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 8% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 20% |