Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.83% | +0.01 | 0.82% |
| Return on Equity (%) | ▲ | 6.92% | +0.45 | 6.47% |
| Net Interest Margin (%) | ▼ | 4.17% | -0.15 | 4.32% |
| Efficiency Ratio (%) | ▲ | 73.17% | -1.29 | 74.46% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.08 | $1 |
| Cost of Funds (%) | ▼ | 2.14% | +0.14 | 2.00% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $278 | +26.50 | $252 |
| Gross Loans ($M) | ▲ | $244 | +22.80 | $222 |
| Loan Growth YoY (%) | ▲ | 116.67% | +2.69 | 113.98% |
| Total Deposits ($M) | ▲ | $209 | +15.03 | $194 |
| Shareholders Equity ($M) | ▲ | $34 | +1.33 | $33 |
| Tang. Book Value ($M) | ▲ | $34 | +1.33 | $33 |
| Loan / Deposit Ratio (%) | ▲ | 116.67% | +2.69 | 113.98% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.57% | +0.94 | 0.64% |
| Allowance / Loans (%) | — | 0.42% | -0.02% | 0.44% |
| Net Charge-Off Ratio (%) | ▼ | 1.79% | +1.07 | 0.73% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▇▆▅▃▁▂ | Net Interest Margin (%) | 4.39% | 4.35% | 4.34% | 4.32% | 4.27% | 4.22% | 4.14% | 4.17% |
| ▆▁███▂██ | Return on Assets (%) | 0.71% | 0.40% | 0.82% | 0.82% | 0.80% | 0.46% | 0.84% | 0.83% |
| ▃█▁▁▂█▁▁ | Efficiency Ratio (%) | 77.5% | 86.8% | 74.5% | 74.5% | 74.7% | 85.1% | 72.7% | 73.2% |
| ▃▃▁▃▅▆██ | Cost of Funds (%) | 1.98% | 1.98% | 1.92% | 2.00% | 2.04% | 2.08% | 2.12% | 2.14% |
| ▅▆▁▂▆█▆█ | NPA / Assets (%) | 1.11% | 1.23% | 0.35% | 0.64% | 1.13% | 1.44% | 1.17% | 1.57% |
| ▆▇▁▃▆█▆█ | Net Charge-Off Ratio (%) | 1.27% | 1.46% | 0.30% | 0.73% | 1.24% | 1.64% | 1.35% | 1.79% |
| ▂▁▂▄▆▅▇█ | Tang. Book Value ($M) | $32 | $31 | $32 | $33 | $33 | $33 | $33 | $34 |
| ▁▁▂▃▅▇██ | Gross Loans ($M) | $208 | $210 | $216 | $222 | $231 | $239 | $241 | $244 |
| ▁▃▆▅▃▅██ | Total Deposits ($M) | $178 | $189 | $199 | $194 | $190 | $196 | $207 | $209 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 97% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 9% |
| Interest-Bearing (core) | 79% |
| Brokered / Other | 12% |