Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.16% | +0.23 | -0.06% |
| Return on Equity (%) | ▲ | 1.13% | +1.61 | -0.48% |
| Net Interest Margin (%) | ▲ | 2.65% | +0.18 | 2.47% |
| Efficiency Ratio (%) | ▲ | 92.49% | -11.18 | 103.67% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.12 | $-0 |
| Cost of Funds (%) | ▲ | 1.70% | -0.01 | 1.71% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $132 | +1.37 | $130 |
| Gross Loans ($M) | ▲ | $81 | +3.25 | $78 |
| Loan Growth YoY (%) | ▲ | 81.02% | +0.60 | 80.42% |
| Total Deposits ($M) | ▲ | $99 | +3.30 | $96 |
| Shareholders Equity ($M) | ▲ | $19 | +0.87 | $18 |
| Tang. Book Value ($M) | ▲ | $19 | +0.89 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +0.77 | $20 |
| Loan / Deposit Ratio (%) | ▲ | 81.02% | +0.60 | 80.42% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.03% | -0.12 | 0.15% |
| Allowance / Loans (%) | — | 0.83% | -0.03% | 0.86% |
| Net Charge-Off Ratio (%) | ▲ | 0.04% | -0.20 | 0.25% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -31.27 | 31.27% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▃▁▃▃▄▆█ | Net Interest Margin (%) | 2.48% | 2.48% | 2.41% | 2.47% | 2.47% | 2.50% | 2.58% | 2.65% |
| ▁▁▁▂▂▃▇█ | Return on Assets (%) | -0.12% | -0.11% | -0.09% | -0.06% | -0.08% | -0.03% | 0.09% | 0.16% |
| █████▆▃▁ | Efficiency Ratio (%) | 105.0% | 104.5% | 104.2% | 103.7% | 104.6% | 101.7% | 95.6% | 92.5% |
| ▁█▇▄██▅▄ | Cost of Funds (%) | 1.64% | 1.76% | 1.75% | 1.71% | 1.78% | 1.76% | 1.72% | 1.70% |
| ▄▂▆▆▁█▁▁ | NPA / Assets (%) | 0.08% | 0.03% | 0.15% | 0.15% | 0.02% | 0.22% | 0.00% | 0.03% |
| ▄▂▆▆▁█▁▁ | Net Charge-Off Ratio (%) | 0.15% | 0.05% | 0.26% | 0.25% | 0.04% | 0.36% | 0.00% | 0.04% |
| ▆▁▄▄████ | Tang. Book Value ($M) | $18 | $17 | $18 | $18 | $19 | $19 | $19 | $19 |
| ▁▂▃▅▆▆▅█ | Gross Loans ($M) | $72 | $74 | $75 | $78 | $78 | $78 | $78 | $81 |
| ▁▂▅▄█▆██ | Total Deposits ($M) | $94 | $95 | $97 | $96 | $99 | $97 | $99 | $99 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 96% |
| C&I / Commercial | 3% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 3% |
| Interest-Bearing (core) | 89% |
| Brokered / Other | 8% |