Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.07% | +0.14 | 0.93% |
| Return on Equity (%) | ▲ | 6.79% | +0.58 | 6.21% |
| Net Interest Margin (%) | ▲ | 3.75% | +0.21 | 3.54% |
| Efficiency Ratio (%) | ▲ | 66.17% | -3.84 | 70.01% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.12 | $1 |
| Cost of Funds (%) | ▲ | 0.64% | -0.09 | 0.73% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $246 | +7.59 | $238 |
| Gross Loans ($M) | ▲ | $116 | +15.04 | $101 |
| Loan Growth YoY (%) | ▲ | 55.84% | +6.30 | 49.54% |
| Total Deposits ($M) | ▲ | $206 | +4.17 | $202 |
| Shareholders Equity ($M) | ▲ | $39 | +3.30 | $36 |
| Tang. Book Value ($M) | ▲ | $39 | +3.30 | $36 |
| TBV excl. AOCI ($M)** | ▲ | $44 | +3.32 | $41 |
| Loan / Deposit Ratio (%) | ▲ | 55.84% | +6.30 | 49.54% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.06 | 0.06% |
| Allowance / Loans (%) | — | 0.60% | -0.09% | 0.69% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.15 | 0.15% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 39.65% | -1.58 | 41.23% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▅▁▁▄▅▆█ | Net Interest Margin (%) | 3.68% | 3.65% | 3.52% | 3.54% | 3.61% | 3.65% | 3.69% | 3.75% |
| ▄▃▁▄▄▅██ | Return on Assets (%) | 0.92% | 0.91% | 0.81% | 0.93% | 0.93% | 0.96% | 1.08% | 1.07% |
| ▄▅█▇▇▅▁▂ | Efficiency Ratio (%) | 68.0% | 68.7% | 71.3% | 70.0% | 69.9% | 68.8% | 65.4% | 66.2% |
| █▇▆▇█▄▁▂ | Cost of Funds (%) | 0.75% | 0.73% | 0.71% | 0.73% | 0.74% | 0.68% | 0.62% | 0.64% |
| ███▇▂▁▁▁ | NPA / Assets (%) | 0.07% | 0.07% | 0.07% | 0.06% | 0.02% | 0.00% | 0.00% | 0.00% |
| ████▂▁▁▁ | Net Charge-Off Ratio (%) | 0.17% | 0.16% | 0.16% | 0.15% | 0.04% | 0.00% | 0.00% | 0.00% |
| ▁▁▂▄▅▇▇█ | Tang. Book Value ($M) | $35 | $34 | $35 | $36 | $37 | $38 | $38 | $39 |
| ▁▁▁▂▃▅▇█ | Gross Loans ($M) | $98 | $100 | $99 | $101 | $104 | $108 | $112 | $116 |
| ▁▃▃▆▅▆██ | Total Deposits ($M) | $191 | $197 | $197 | $202 | $200 | $203 | $208 | $206 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 95% |
| C&I / Commercial | 3% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 11% |
| Interest-Bearing (core) | 88% |
| Brokered / Other | 2% |