Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.98% | +0.16 | 0.83% |
| Return on Equity (%) | ▲ | 4.42% | +0.91 | 3.51% |
| Net Interest Margin (%) | ▲ | 4.82% | +0.50 | 4.32% |
| Efficiency Ratio (%) | ▲ | 74.91% | -2.04 | 76.95% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.15 | $1 |
| Cost of Funds (%) | ▲ | 1.11% | -0.22 | 1.33% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $286 | +11.55 | $274 |
| Gross Loans ($M) | ▲ | $226 | +10.61 | $215 |
| Loan Growth YoY (%) | ▲ | 108.24% | +4.25 | 103.98% |
| Total Deposits ($M) | ▲ | $206 | +1.60 | $204 |
| Shareholders Equity ($M) | ▼ | $63 | -1.56 | $65 |
| Tang. Book Value ($M) | ▼ | $63 | -1.53 | $65 |
| TBV excl. AOCI ($M)** | ▼ | $65 | -1.70 | $66 |
| Loan / Deposit Ratio (%) | ▲ | 108.24% | +4.25 | 103.98% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.01% | +0.01 | 0.00% |
| Allowance / Loans (%) | — | 1.29% | 0.02% | 1.27% |
| Net Charge-Off Ratio (%) | ▼ | 0.02% | +0.02 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 25.34% | -1.35 | 26.69% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆██ | Net Interest Margin (%) | 3.76% | 3.86% | 4.19% | 4.32% | 4.36% | 4.46% | 4.73% | 4.82% |
| ▄▄▁▂▄█▇█ | Return on Assets (%) | 0.86% | 0.86% | 0.78% | 0.83% | 0.86% | 0.98% | 0.94% | 0.98% |
| ▁▁█▇▇▂▅▄ | Efficiency Ratio (%) | 72.9% | 73.4% | 77.8% | 77.0% | 77.1% | 74.1% | 75.7% | 74.9% |
| █▅▄▃▂▁▁▁ | Cost of Funds (%) | 1.72% | 1.47% | 1.34% | 1.33% | 1.23% | 1.15% | 1.17% | 1.11% |
| ▅██▁▂▂▂▂ | NPA / Assets (%) | 0.03% | 0.06% | 0.06% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% |
| ▅██▁▂▂▂▂ | Net Charge-Off Ratio (%) | 0.04% | 0.07% | 0.07% | 0.00% | 0.02% | 0.02% | 0.02% | 0.02% |
| ███▄▁▂▂▃ | Tang. Book Value ($M) | $68 | $68 | $69 | $65 | $61 | $62 | $62 | $63 |
| ███▁▂▃▁▇ | Gross Loans ($M) | $228 | $227 | $229 | $215 | $218 | $219 | $215 | $226 |
| █▅▇▁▃▃▄▁ | Total Deposits ($M) | $224 | $214 | $221 | $204 | $210 | $209 | $212 | $206 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 17% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 59% |
| Brokered / Other | 14% |