Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.24% | +0.83 | 0.41% |
| Return on Equity (%) | ▲ | 10.93% | +7.06 | 3.87% |
| Net Interest Margin (%) | ▲ | 3.97% | +0.87 | 3.11% |
| Efficiency Ratio (%) | ▲ | 72.42% | -15.08 | 87.50% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.31 | $0 |
| Cost of Funds (%) | ▲ | 2.01% | -0.39 | 2.40% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $155 | -0.59 | $156 |
| Gross Loans ($M) | ▼ | $113 | -1.53 | $114 |
| Loan Growth YoY (%) | ▼ | 83.99% | -2.96 | 86.94% |
| Total Deposits ($M) | ▲ | $133 | +3.03 | $129 |
| Shareholders Equity ($M) | ▲ | $18 | +1.42 | $17 |
| Tang. Book Value ($M) | ▲ | $18 | +1.42 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +1.62 | $18 |
| Loan / Deposit Ratio (%) | ▼ | 83.99% | -2.96 | 86.94% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.62% | -0.40 | 1.02% |
| Allowance / Loans (%) | — | 1.35% | -0.19% | 1.54% |
| Net Charge-Off Ratio (%) | ▲ | 0.86% | -0.54 | 1.39% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 20.66% | +2.10 | 18.56% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▂▃▄██ | Net Interest Margin (%) | 2.87% | 2.89% | 2.97% | 3.11% | 3.25% | 3.31% | 3.86% | 3.97% |
| ▁▁▂▂▄▄██ | Return on Assets (%) | 0.14% | 0.20% | 0.39% | 0.41% | 0.58% | 0.63% | 1.22% | 1.24% |
| ██▇▆▅▄▁▁ | Efficiency Ratio (%) | 95.4% | 94.5% | 89.8% | 87.5% | 84.6% | 83.8% | 74.7% | 72.4% |
| ▇█▆▅▅▅▂▁ | Cost of Funds (%) | 2.58% | 2.66% | 2.49% | 2.40% | 2.37% | 2.34% | 2.13% | 2.01% |
| ▄▅▂█▁▂▄▄ | NPA / Assets (%) | 0.62% | 0.71% | 0.44% | 1.02% | 0.29% | 0.46% | 0.60% | 0.62% |
| ▅▅▃█▁▃▅▅ | Net Charge-Off Ratio (%) | 0.85% | 0.95% | 0.60% | 1.39% | 0.30% | 0.67% | 0.88% | 0.86% |
| ▁▁▂▂▄▅▇█ | Tang. Book Value ($M) | $16 | $16 | $17 | $17 | $17 | $17 | $18 | $18 |
| ██▆▆▂▁▁▅ | Gross Loans ($M) | $118 | $117 | $114 | $114 | $110 | $108 | $108 | $113 |
| ▇▂▁▂█▇▇▇ | Total Deposits ($M) | $133 | $130 | $128 | $129 | $134 | $133 | $132 | $133 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 97% |
| C&I / Commercial | 2% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 12% |