Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.49% | +0.26 | 0.23% |
| Return on Equity (%) | ▲ | 3.24% | +1.66 | 1.58% |
| Net Interest Margin (%) | ▲ | 4.04% | +0.54 | 3.51% |
| Efficiency Ratio (%) | ▲ | 84.62% | -6.93 | 91.55% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.07 | $0 |
| Cost of Funds (%) | ▲ | 1.06% | -0.21 | 1.27% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $189 | +3.53 | $186 |
| Gross Loans ($M) | ▲ | $148 | +1.58 | $147 |
| Loan Growth YoY (%) | ▼ | 101.58% | -2.21 | 103.79% |
| Total Deposits ($M) | ▲ | $144 | +4.69 | $140 |
| Shareholders Equity ($M) | ▲ | $29 | +1.05 | $28 |
| Tang. Book Value ($M) | ▲ | $29 | +1.05 | $28 |
| Loan / Deposit Ratio (%) | ▼ | 101.58% | -2.21 | 103.79% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.27% | +0.59 | 1.67% |
| Allowance / Loans (%) | — | 1.25% | -0.08% | 1.33% |
| Net Charge-Off Ratio (%) | ▼ | 2.89% | +0.77 | 2.11% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 25.94% | +0.03 | 25.91% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▂▁▁▂▃██ | Net Interest Margin (%) | 3.53% | 3.51% | 3.43% | 3.51% | 3.59% | 3.67% | 4.10% | 4.04% |
| ▄▅▁▂▄▃█▇ | Return on Assets (%) | 0.34% | 0.38% | 0.14% | 0.23% | 0.33% | 0.29% | 0.56% | 0.49% |
| ▃▄█▆▄▅▁▂ | Efficiency Ratio (%) | 87.3% | 88.5% | 94.6% | 91.5% | 88.6% | 89.5% | 82.9% | 84.6% |
| ▆█▇▆▅▃▃▁ | Cost of Funds (%) | 1.28% | 1.37% | 1.33% | 1.27% | 1.22% | 1.16% | 1.14% | 1.06% |
| ▁▁▂▂▃▄▅█ | NPA / Assets (%) | 1.58% | 1.57% | 1.72% | 1.67% | 1.83% | 1.84% | 1.98% | 2.27% |
| ▁▁▃▁▃▃▅█ | Net Charge-Off Ratio (%) | 2.05% | 2.00% | 2.22% | 2.11% | 2.30% | 2.31% | 2.49% | 2.89% |
| ▁▃▄▄▆▇██ | Tang. Book Value ($M) | $27 | $27 | $27 | $28 | $28 | $28 | $29 | $29 |
| ▁▄▅▇████ | Gross Loans ($M) | $140 | $143 | $145 | $147 | $148 | $149 | $149 | $148 |
| ▂▃▆▁█▁▆▇ | Total Deposits ($M) | $141 | $141 | $144 | $140 | $145 | $140 | $143 | $144 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 98% |
| C&I / Commercial | 1% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 10% |
| Interest-Bearing (core) | 84% |
| Brokered / Other | 6% |