Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.02% | +0.34 | 0.68% |
| Return on Equity (%) | ▲ | 6.56% | +1.79 | 4.77% |
| Net Interest Margin (%) | ▲ | 4.10% | +0.67 | 3.43% |
| Efficiency Ratio (%) | ▲ | 70.89% | -7.02 | 77.91% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.20 | $1 |
| Cost of Funds (%) | ▲ | 1.44% | -0.37 | 1.81% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $208 | -8.27 | $217 |
| Gross Loans ($M) | ▼ | $181 | -5.49 | $186 |
| Loan Growth YoY (%) | ▼ | 105.47% | -2.68 | 108.15% |
| Total Deposits ($M) | ▼ | $170 | -0.85 | $171 |
| Shareholders Equity ($M) | ▲ | $34 | +2.36 | $31 |
| Tang. Book Value ($M) | ▲ | $33 | +2.38 | $30 |
| Loan / Deposit Ratio (%) | ▼ | 105.47% | -2.68 | 108.15% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.59% | +0.15 | 0.44% |
| Allowance / Loans (%) | — | 0.82% | 0.02% | 0.80% |
| Net Charge-Off Ratio (%) | ▼ | 0.68% | +0.16 | 0.52% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 22.24% | +1.83 | 20.41% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▅▇█ | Net Interest Margin (%) | 3.05% | 3.12% | 3.27% | 3.43% | 3.57% | 3.68% | 3.96% | 4.10% |
| ▁▁▁▃▆▆▇█ | Return on Assets (%) | 0.54% | 0.58% | 0.55% | 0.68% | 0.85% | 0.89% | 0.92% | 1.02% |
| █▇█▆▃▃▂▁ | Efficiency Ratio (%) | 81.2% | 80.0% | 81.6% | 77.9% | 74.5% | 73.6% | 73.1% | 70.9% |
| █▇▇▅▄▃▂▁ | Cost of Funds (%) | 2.06% | 1.93% | 1.93% | 1.81% | 1.68% | 1.62% | 1.57% | 1.44% |
| ▄█▇▁▇▇▆█ | NPA / Assets (%) | 0.51% | 0.58% | 0.57% | 0.44% | 0.56% | 0.56% | 0.54% | 0.59% |
| ▄▇▇▁▇▆▆█ | Net Charge-Off Ratio (%) | 0.58% | 0.65% | 0.65% | 0.52% | 0.65% | 0.64% | 0.62% | 0.68% |
| ▁▁▂▃▄▆▇█ | Tang. Book Value ($M) | $29 | $29 | $30 | $30 | $31 | $32 | $32 | $33 |
| ▆█▆▅▅█▅▁ | Gross Loans ($M) | $187 | $190 | $187 | $186 | $186 | $189 | $186 | $181 |
| ▁▁▁▇███▆ | Total Deposits ($M) | $162 | $163 | $163 | $171 | $173 | $173 | $174 | $170 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 95% |
| C&I / Commercial | 3% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 80% |
| Brokered / Other | 7% |