Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.57% | +0.24 | 1.33% |
| Return on Equity (%) | ▲ | 21.78% | +3.31 | 18.47% |
| Net Interest Margin (%) | ▲ | 4.39% | +0.25 | 4.14% |
| Efficiency Ratio (%) | ▲ | 55.19% | -0.74 | 55.93% |
| Pre-Provision Profit ($M) | ▼ | $2 | -0.07 | $2 |
| Cost of Funds (%) | ▲ | 2.50% | -0.21 | 2.71% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $297 | +20.16 | $277 |
| Gross Loans ($M) | ▲ | $261 | +20.20 | $241 |
| Loan Growth YoY (%) | ▲ | 98.73% | +2.06 | 96.67% |
| Total Deposits ($M) | ▲ | $262 | +15.03 | $247 |
| Shareholders Equity ($M) | ▲ | $22 | +1.58 | $20 |
| Tang. Book Value ($M) | ▲ | $22 | +1.58 | $20 |
| Loan / Deposit Ratio (%) | ▲ | 98.73% | +2.06 | 96.67% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.12% | -0.03 | 0.15% |
| Allowance / Loans (%) | — | 0.90% | 0.04% | 0.86% |
| Net Charge-Off Ratio (%) | ▲ | 0.14% | -0.03 | 0.18% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 9.58% | -0.10 | 9.68% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▆▇▇██ | Net Interest Margin (%) | 3.40% | 3.47% | 3.63% | 4.14% | 4.18% | 4.26% | 4.33% | 4.39% |
| ▁▁▁▆▆▆██ | Return on Assets (%) | 0.91% | 0.94% | 0.94% | 1.33% | 1.35% | 1.37% | 1.51% | 1.57% |
| █▇█▁▁▁▁▁ | Efficiency Ratio (%) | 62.8% | 62.0% | 63.1% | 55.9% | 55.1% | 56.0% | 55.4% | 55.2% |
| ██▆▄▃▃▁▁ | Cost of Funds (%) | 2.96% | 2.94% | 2.82% | 2.71% | 2.66% | 2.62% | 2.48% | 2.50% |
| ███▁▁▁▁▁ | NPA / Assets (%) | 1.92% | 1.92% | 2.00% | 0.15% | 0.05% | 0.19% | 0.20% | 0.12% |
| ███▁▁▁▁▁ | Net Charge-Off Ratio (%) | 2.31% | 2.24% | 2.31% | 0.18% | 0.06% | 0.22% | 0.22% | 0.14% |
| ▁▂▃▅▅▆▆█ | Tang. Book Value ($M) | $18 | $19 | $19 | $20 | $20 | $20 | $21 | $22 |
| ▁▂▃▅▆▆▇█ | Gross Loans ($M) | $219 | $225 | $231 | $241 | $247 | $250 | $254 | $261 |
| ▂▁▁▃▅█▇█ | Total Deposits ($M) | $244 | $242 | $239 | $247 | $253 | $260 | $259 | $262 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 89% |
| C&I / Commercial | 11% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 9% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 14% |