Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.06% | +0.03 | 1.02% |
| Return on Equity (%) | ▲ | 4.13% | +0.05 | 4.08% |
| Net Interest Margin (%) | ▲ | 3.55% | +0.01 | 3.54% |
| Efficiency Ratio (%) | ▲ | 60.93% | -0.75 | 61.68% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.03 | $0 |
| Cost of Funds (%) | ▲ | 1.86% | -0.06 | 1.92% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $118 | +2.12 | $116 |
| Gross Loans ($M) | ▼ | $83 | -0.95 | $84 |
| Loan Growth YoY (%) | ▼ | 93.93% | -2.04 | 95.96% |
| Total Deposits ($M) | ▲ | $87 | +0.87 | $86 |
| Shareholders Equity ($M) | ▲ | $30 | +1.29 | $29 |
| Tang. Book Value ($M) | ▲ | $30 | +1.29 | $29 |
| Loan / Deposit Ratio (%) | ▼ | 93.93% | -2.04 | 95.96% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 2.63% | -0.63 | 3.26% |
| Allowance / Loans (%) | — | 1.82% | 0.00% | 1.82% |
| Net Charge-Off Ratio (%) | ▲ | 3.49% | -0.59 | 4.08% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▂▁▁▂▁▁ | Net Interest Margin (%) | 3.81% | 3.81% | 3.57% | 3.54% | 3.55% | 3.59% | 3.53% | 3.55% |
| █▇▁▃▃▄▁▄ | Return on Assets (%) | 1.19% | 1.15% | 0.95% | 1.02% | 1.03% | 1.04% | 0.96% | 1.06% |
| ▁▃█▄▅▅█▃ | Efficiency Ratio (%) | 58.9% | 60.4% | 64.6% | 61.7% | 62.1% | 62.4% | 64.1% | 60.9% |
| ▁█▅██▇▄▅ | Cost of Funds (%) | 1.80% | 1.93% | 1.87% | 1.92% | 1.92% | 1.90% | 1.85% | 1.86% |
| ▁▂▅██▅▅▆ | NPA / Assets (%) | 1.28% | 1.55% | 2.37% | 3.26% | 3.24% | 2.50% | 2.36% | 2.63% |
| ▁▁▄██▆▅▆ | Net Charge-Off Ratio (%) | 1.29% | 1.60% | 2.85% | 4.08% | 4.46% | 3.32% | 3.14% | 3.49% |
| ▁▁▂▄▅▇▇█ | Tang. Book Value ($M) | $28 | $28 | $29 | $29 | $30 | $30 | $30 | $30 |
| ▆█▅▄▅▁▂▂ | Gross Loans ($M) | $85 | $86 | $84 | $84 | $85 | $82 | $83 | $83 |
| ▂▁▇▅▆▆█▇ | Total Deposits ($M) | $84 | $83 | $87 | $86 | $86 | $86 | $88 | $87 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 6% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 9% |
| Interest-Bearing (core) | 82% |
| Brokered / Other | 9% |