Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.09% | +0.12 | 0.97% |
| Return on Equity (%) | ▲ | 18.15% | +2.92 | 15.23% |
| Net Interest Margin (%) | ▼ | 3.12% | -0.02 | 3.14% |
| Efficiency Ratio (%) | ▲ | 55.88% | -6.46 | 62.34% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.10 | $0 |
| Cost of Funds (%) | ▲ | 1.23% | -0.18 | 1.41% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $126 | +19.67 | $106 |
| Gross Loans ($M) | ▲ | $62 | +9.33 | $53 |
| Loan Growth YoY (%) | ▼ | 52.09% | -0.56 | 52.65% |
| Total Deposits ($M) | ▲ | $118 | +18.98 | $99 |
| Shareholders Equity ($M) | ▲ | $7 | +0.74 | $7 |
| Tang. Book Value ($M) | ▲ | $7 | +0.74 | $7 |
| Loan / Deposit Ratio (%) | ▼ | 52.09% | -0.56 | 52.65% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.67% | -0.12% | 0.79% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 15.86% | -0.08 | 15.93% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▁▃▃▃▃▂ | Net Interest Margin (%) | 3.30% | 3.24% | 3.06% | 3.14% | 3.13% | 3.13% | 3.12% | 3.12% |
| ▁▁▅▆▆▇██ | Return on Assets (%) | 0.71% | 0.75% | 0.90% | 0.97% | 0.99% | 1.01% | 1.07% | 1.09% |
| █▇▄▃▃▃▁▁ | Efficiency Ratio (%) | 76.5% | 72.0% | 64.8% | 62.3% | 61.3% | 61.2% | 57.6% | 55.9% |
| ▁▃▆▇█▃▁▁ | Cost of Funds (%) | 1.23% | 1.29% | 1.37% | 1.41% | 1.47% | 1.28% | 1.20% | 1.23% |
| ▁▆█▁▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.04% | 0.07% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▆█▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.09% | 0.14% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▃▅▅██ | Tang. Book Value ($M) | $6 | $6 | $6 | $7 | $7 | $7 | $7 | $7 |
| ▁▁▂▃▅▆▇█ | Gross Loans ($M) | $48 | $49 | $50 | $53 | $56 | $58 | $60 | $62 |
| ▁▃▄▅▅▇▇█ | Total Deposits ($M) | $80 | $91 | $95 | $99 | $102 | $109 | $113 | $118 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 96% |
| C&I / Commercial | 2% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 11% |
| Interest-Bearing (core) | 84% |
| Brokered / Other | 5% |