Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.61% | -0.04 | 1.65% |
| Return on Equity (%) | ▼ | 17.88% | -2.89 | 20.77% |
| Net Interest Margin (%) | ▲ | 3.72% | +0.09 | 3.63% |
| Efficiency Ratio (%) | ▼ | 56.35% | +1.55 | 54.80% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.05 | $1 |
| Cost of Funds (%) | ▲ | 1.76% | -0.18 | 1.93% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $283 | -0.38 | $284 |
| Gross Loans ($M) | ▲ | $205 | +8.54 | $196 |
| Loan Growth YoY (%) | ▲ | 83.50% | +5.36 | 78.14% |
| Total Deposits ($M) | ▼ | $243 | -5.90 | $249 |
| Shareholders Equity ($M) | ▲ | $26 | +2.22 | $24 |
| Tang. Book Value ($M) | ▲ | $26 | +2.22 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $29 | +2.12 | $27 |
| Loan / Deposit Ratio (%) | ▲ | 83.50% | +5.36 | 78.14% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.20% | +0.59 | 0.60% |
| Allowance / Loans (%) | — | 1.00% | 0.03% | 0.98% |
| Net Charge-Off Ratio (%) | ▼ | 1.66% | +1.06 | 0.60% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 16.81% | +0.34 | 16.47% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▁▅▆█▆█ | Net Interest Margin (%) | 3.55% | 3.56% | 3.53% | 3.63% | 3.66% | 3.70% | 3.66% | 3.72% |
| ▁▁▄██▆▃█ | Return on Assets (%) | 1.33% | 1.34% | 1.48% | 1.65% | 1.62% | 1.56% | 1.43% | 1.61% |
| ▁▂▄▁▂▄█▂ | Efficiency Ratio (%) | 55.0% | 55.7% | 57.8% | 54.8% | 56.1% | 57.3% | 61.4% | 56.4% |
| ██▅▅▄▃▂▁ | Cost of Funds (%) | 2.10% | 2.07% | 1.96% | 1.93% | 1.89% | 1.85% | 1.80% | 1.76% |
| ▃█▇▃▂▁▂█ | NPA / Assets (%) | 0.59% | 1.11% | 1.03% | 0.60% | 0.56% | 0.36% | 0.50% | 1.20% |
| ▂▇▇▁▃▁▂█ | Net Charge-Off Ratio (%) | 0.77% | 1.49% | 1.40% | 0.60% | 0.80% | 0.50% | 0.71% | 1.66% |
| ▃▁▃▅▇▇▇█ | Tang. Book Value ($M) | $23 | $21 | $23 | $24 | $25 | $25 | $25 | $26 |
| ▁▁▁▁▃▅▇█ | Gross Loans ($M) | $195 | $196 | $196 | $196 | $198 | $201 | $203 | $205 |
| ▁▂▅▆▆▁█▁ | Total Deposits ($M) | $242 | $244 | $247 | $249 | $249 | $242 | $251 | $243 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 95% |
| C&I / Commercial | 2% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 35% |
| Interest-Bearing (core) | 54% |
| Brokered / Other | 11% |