Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.39% | +0.32 | 0.07% |
| Return on Equity (%) | ▲ | 2.03% | +1.66 | 0.37% |
| Net Interest Margin (%) | ▲ | 2.82% | +0.29 | 2.53% |
| Efficiency Ratio (%) | ▲ | 86.16% | -10.17 | 96.33% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.09 | $0 |
| Cost of Funds (%) | ▲ | 1.34% | -0.08 | 1.42% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $157 | +1.16 | $156 |
| Gross Loans ($M) | ▲ | $73 | +4.84 | $68 |
| Loan Growth YoY (%) | ▲ | 57.36% | +3.71 | 53.65% |
| Total Deposits ($M) | ▲ | $126 | +0.29 | $126 |
| Shareholders Equity ($M) | ▲ | $31 | +0.83 | $30 |
| Tang. Book Value ($M) | ▲ | $31 | +0.83 | $30 |
| TBV excl. AOCI ($M)** | ▲ | $34 | +0.85 | $33 |
| Loan / Deposit Ratio (%) | ▲ | 57.36% | +3.71 | 53.65% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.02% | +0.41 | 0.61% |
| Allowance / Loans (%) | — | 0.33% | -0.02% | 0.36% |
| Net Charge-Off Ratio (%) | ▼ | 2.22% | +0.80 | 1.42% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▃▁▂▃▄██ | Net Interest Margin (%) | 2.62% | 2.56% | 2.44% | 2.53% | 2.54% | 2.60% | 2.80% | 2.82% |
| ▅▄▁▂▃▄██ | Return on Assets (%) | 0.20% | 0.17% | -0.02% | 0.07% | 0.12% | 0.19% | 0.37% | 0.39% |
| ▃▄█▆▅▄▁▁ | Efficiency Ratio (%) | 91.0% | 92.5% | 100.7% | 96.3% | 94.7% | 92.4% | 86.9% | 86.2% |
| ▄█▄▄▄▅▁▁ | Cost of Funds (%) | 1.43% | 1.60% | 1.42% | 1.42% | 1.43% | 1.46% | 1.31% | 1.34% |
| ▃▅▁▃▆█▁█ | NPA / Assets (%) | 0.66% | 0.81% | 0.47% | 0.61% | 0.84% | 0.96% | 0.50% | 1.02% |
| ▄▇▁▃▆█▁█ | Net Charge-Off Ratio (%) | 1.57% | 1.95% | 1.13% | 1.42% | 1.89% | 2.11% | 1.12% | 2.22% |
| ▃▁▂▂▃▄▇█ | Tang. Book Value ($M) | $30 | $30 | $30 | $30 | $30 | $30 | $31 | $31 |
| ▁▁▁▄▅▇██ | Gross Loans ($M) | $65 | $65 | $65 | $68 | $70 | $71 | $72 | $73 |
| ▁▁▁▂▃▂█▃ | Total Deposits ($M) | $125 | $125 | $125 | $126 | $127 | $126 | $130 | $126 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 89% |
| C&I / Commercial | 8% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 8% |
| Interest-Bearing (core) | 84% |
| Brokered / Other | 9% |