Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.68% | +0.25 | 0.43% |
| Return on Equity (%) | ▲ | 4.96% | +1.79 | 3.17% |
| Net Interest Margin (%) | ▼ | 3.42% | -0.07 | 3.49% |
| Efficiency Ratio (%) | ▲ | 72.48% | -0.04 | 72.52% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.01 | $0 |
| Cost of Funds (%) | ▲ | 1.82% | -0.06 | 1.88% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $114 | +3.73 | $110 |
| Gross Loans ($M) | ▼ | $87 | -3.78 | $91 |
| Loan Growth YoY (%) | ▼ | 98.85% | -7.39 | 106.24% |
| Total Deposits ($M) | ▲ | $87 | +2.59 | $85 |
| Shareholders Equity ($M) | ▲ | $16 | +0.77 | $15 |
| Tang. Book Value ($M) | ▲ | $16 | +0.77 | $15 |
| Loan / Deposit Ratio (%) | ▼ | 98.85% | -7.39 | 106.24% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.39% | -0.22 | 0.61% |
| Allowance / Loans (%) | — | 1.01% | -0.06% | 1.07% |
| Net Charge-Off Ratio (%) | ▲ | 0.52% | -0.22 | 0.74% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 24.75% | +1.95 | 22.81% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▇██▄▅ | Net Interest Margin (%) | 3.29% | 3.31% | 3.44% | 3.49% | 3.54% | 3.53% | 3.39% | 3.42% |
| ▁▁▃▄▅▆██ | Return on Assets (%) | 0.23% | 0.25% | 0.37% | 0.43% | 0.50% | 0.54% | 0.69% | 0.68% |
| █▇▅▂▆▅▁▁ | Efficiency Ratio (%) | 75.3% | 74.7% | 73.8% | 72.5% | 74.3% | 73.7% | 72.1% | 72.5% |
| ██▃▂▂▁▁▁ | Cost of Funds (%) | 2.18% | 2.15% | 1.91% | 1.88% | 1.88% | 1.84% | 1.83% | 1.82% |
| ▄▃▃█▇▁▁▅ | NPA / Assets (%) | 0.38% | 0.31% | 0.28% | 0.61% | 0.51% | 0.17% | 0.20% | 0.39% |
| ▅▃▂█▇▁▁▅ | Net Charge-Off Ratio (%) | 0.48% | 0.36% | 0.34% | 0.74% | 0.62% | 0.22% | 0.27% | 0.52% |
| ▁▁▂▃▄▆▇█ | Tang. Book Value ($M) | $15 | $15 | $15 | $15 | $15 | $15 | $16 | $16 |
| ███▇▆▃▁▂ | Gross Loans ($M) | $92 | $92 | $92 | $91 | $91 | $88 | $86 | $87 |
| ▂▁▄▃▅█▆▇ | Total Deposits ($M) | $84 | $83 | $85 | $85 | $85 | $88 | $87 | $87 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 71% |
| C&I / Commercial | 1% |
| Consumer | 28% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 6% |
| Interest-Bearing (core) | 85% |
| Brokered / Other | 9% |