Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.28% | +0.31 | 0.97% |
| Return on Equity (%) | ▲ | 9.50% | +1.88 | 7.62% |
| Net Interest Margin (%) | ▲ | 4.90% | +0.37 | 4.52% |
| Efficiency Ratio (%) | ▲ | 67.31% | -3.65 | 70.96% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.21 | $1 |
| Cost of Funds (%) | ▲ | 1.89% | -0.09 | 1.97% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $329 | +9.31 | $320 |
| Gross Loans ($M) | ▲ | $255 | +10.59 | $244 |
| Loan Growth YoY (%) | ▲ | 87.91% | +2.01 | 85.90% |
| Total Deposits ($M) | ▲ | $282 | +5.30 | $277 |
| Shareholders Equity ($M) | ▲ | $45 | +3.63 | $41 |
| Tang. Book Value ($M) | ▲ | $45 | +3.63 | $41 |
| TBV excl. AOCI ($M)** | ▲ | $47 | +3.79 | $43 |
| Loan / Deposit Ratio (%) | ▲ | 87.91% | +2.01 | 85.90% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.71% | -0.32 | 1.03% |
| Allowance / Loans (%) | — | 2.65% | 0.03% | 2.62% |
| Net Charge-Off Ratio (%) | ▲ | 0.74% | -0.26 | 1.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▄▅██ | Net Interest Margin (%) | 4.27% | 4.29% | 4.55% | 4.52% | 4.56% | 4.61% | 4.92% | 4.90% |
| ▁▁▄▄▄▂██ | Return on Assets (%) | 0.67% | 0.68% | 0.99% | 0.97% | 0.98% | 0.77% | 1.37% | 1.28% |
| ██▅▅▅▅▁▂ | Efficiency Ratio (%) | 76.4% | 75.1% | 70.7% | 71.0% | 71.0% | 71.8% | 64.8% | 67.3% |
| ▅█▄▃▂▂▁▁ | Cost of Funds (%) | 2.06% | 2.19% | 2.02% | 1.97% | 1.93% | 1.96% | 1.90% | 1.89% |
| █▄▇▇▅▆▁▁ | NPA / Assets (%) | 1.12% | 0.88% | 1.03% | 1.03% | 0.96% | 1.02% | 0.74% | 0.71% |
| █▂▇█▆█▁▁ | Net Charge-Off Ratio (%) | 1.01% | 0.78% | 0.95% | 1.00% | 0.91% | 1.00% | 0.75% | 0.74% |
| ▁▁▂▄▅▆▇█ | Tang. Book Value ($M) | $39 | $39 | $40 | $41 | $43 | $43 | $44 | $45 |
| ▁▂▂▂▄███ | Gross Loans ($M) | $241 | $243 | $244 | $244 | $248 | $254 | $256 | $255 |
| ▁▂▆▆▆▅██ | Total Deposits ($M) | $263 | $267 | $275 | $277 | $275 | $274 | $281 | $282 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 92% |
| C&I / Commercial | 2% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 14% |