Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.41% | +0.13 | 0.28% |
| Return on Equity (%) | ▲ | 1.95% | +0.59 | 1.36% |
| Net Interest Margin (%) | ▲ | 2.83% | +0.31 | 2.51% |
| Efficiency Ratio (%) | ▲ | 81.13% | -4.55 | 85.68% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.04 | $0 |
| Cost of Funds (%) | ▲ | 1.19% | -0.16 | 1.35% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $105 | +2.04 | $103 |
| Gross Loans ($M) | ▼ | $45 | -1.30 | $46 |
| Loan Growth YoY (%) | ▼ | 58.57% | -1.80 | 60.37% |
| Total Deposits ($M) | ▲ | $76 | +0.12 | $75 |
| Shareholders Equity ($M) | ▲ | $22 | +0.81 | $21 |
| Tang. Book Value ($M) | ▲ | $22 | +0.81 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +0.77 | $24 |
| Loan / Deposit Ratio (%) | ▼ | 58.57% | -1.80 | 60.37% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.06% | -0.04 | 0.09% |
| Allowance / Loans (%) | — | 0.83% | -0.00% | 0.84% |
| Net Charge-Off Ratio (%) | ▲ | 0.13% | -0.08 | 0.21% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▅▇█ | Net Interest Margin (%) | 2.36% | 2.37% | 2.45% | 2.51% | 2.57% | 2.61% | 2.76% | 2.83% |
| ▃▁▄▅▆▆▇█ | Return on Assets (%) | 0.19% | 0.12% | 0.23% | 0.28% | 0.32% | 0.32% | 0.36% | 0.41% |
| ▆█▅▃▂▂▁▁ | Efficiency Ratio (%) | 90.4% | 94.6% | 88.3% | 85.7% | 83.8% | 84.0% | 82.5% | 81.1% |
| █▇▄▅▄▃▁▁ | Cost of Funds (%) | 1.49% | 1.44% | 1.32% | 1.35% | 1.33% | 1.27% | 1.22% | 1.19% |
| █▂▆▂▆▁▂▁ | NPA / Assets (%) | 0.29% | 0.11% | 0.22% | 0.09% | 0.20% | 0.08% | 0.11% | 0.06% |
| █▂▆▂▆▁▃▁ | Net Charge-Off Ratio (%) | 0.64% | 0.24% | 0.51% | 0.21% | 0.46% | 0.18% | 0.26% | 0.13% |
| ▃▁▃▄▆███ | Tang. Book Value ($M) | $21 | $21 | $21 | $21 | $22 | $22 | $22 | $22 |
| ███▅▇▆▄▁ | Gross Loans ($M) | $47 | $47 | $47 | $46 | $46 | $46 | $45 | $45 |
| ▁▃▇▇▆██▇ | Total Deposits ($M) | $72 | $73 | $76 | $75 | $75 | $77 | $76 | $76 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 97% |
| C&I / Commercial | 1% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 13% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 10% |