Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.68% | +0.28 | 0.40% |
| Return on Equity (%) | ▲ | 7.50% | +2.71 | 4.79% |
| Net Interest Margin (%) | ▲ | 3.79% | +0.30 | 3.49% |
| Efficiency Ratio (%) | ▲ | 78.55% | -5.89 | 84.44% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.22 | $1 |
| Cost of Funds (%) | ▲ | 0.76% | -0.13 | 0.89% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $334 | +8.61 | $325 |
| Gross Loans ($M) | ▲ | $215 | +4.50 | $210 |
| Loan Growth YoY (%) | ▲ | 70.70% | +0.22 | 70.47% |
| Total Deposits ($M) | ▲ | $301 | +5.56 | $296 |
| Shareholders Equity ($M) | ▲ | $31 | +2.85 | $28 |
| Tang. Book Value ($M) | ▲ | $31 | +2.85 | $28 |
| TBV excl. AOCI ($M)** | ▲ | $33 | +2.31 | $31 |
| Loan / Deposit Ratio (%) | ▲ | 70.70% | +0.22 | 70.47% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.09% | +0.02 | 0.07% |
| Allowance / Loans (%) | — | 0.81% | -0.06% | 0.87% |
| Net Charge-Off Ratio (%) | ▼ | 0.15% | +0.03 | 0.11% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 17.38% | +0.39 | 16.98% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▄▁▃▄▅▆█ | Net Interest Margin (%) | 3.59% | 3.55% | 3.36% | 3.49% | 3.54% | 3.59% | 3.65% | 3.79% |
| █▇▁▂▃▃▆█ | Return on Assets (%) | 0.65% | 0.59% | 0.33% | 0.40% | 0.42% | 0.45% | 0.55% | 0.68% |
| ▁▁█▆▆▅▃▂ | Efficiency Ratio (%) | 76.6% | 77.8% | 87.8% | 84.4% | 83.9% | 83.2% | 80.4% | 78.6% |
| ▂██▆▆▇▁▁ | Cost of Funds (%) | 0.79% | 0.93% | 0.93% | 0.89% | 0.89% | 0.90% | 0.77% | 0.76% |
| ▁▃▂▁▁█▃▄ | NPA / Assets (%) | 0.07% | 0.08% | 0.08% | 0.07% | 0.07% | 0.12% | 0.08% | 0.09% |
| ▁▃▂▁▁█▃▄ | Net Charge-Off Ratio (%) | 0.11% | 0.13% | 0.13% | 0.11% | 0.11% | 0.19% | 0.13% | 0.15% |
| ▂▁▃▄▅▇▇█ | Tang. Book Value ($M) | $27 | $26 | $27 | $28 | $29 | $30 | $30 | $31 |
| ▁▄▃▆▆▇▆█ | Gross Loans ($M) | $200 | $206 | $205 | $210 | $210 | $212 | $211 | $215 |
| ▁▃▅▄▅▇█▇ | Total Deposits ($M) | $289 | $294 | $297 | $296 | $297 | $302 | $305 | $301 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 96% |
| C&I / Commercial | 4% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 83% |
| Brokered / Other | 3% |