Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.90% | +0.21 | 0.69% |
| Return on Equity (%) | ▲ | 9.83% | +1.13 | 8.70% |
| Net Interest Margin (%) | ▲ | 3.55% | +0.38 | 3.17% |
| Efficiency Ratio (%) | ▲ | 69.12% | -3.61 | 72.73% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.14 | $0 |
| Cost of Funds (%) | ▲ | 1.45% | -0.13 | 1.59% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $182 | -0.29 | $183 |
| Gross Loans ($M) | ▲ | $124 | +9.16 | $115 |
| Loan Growth YoY (%) | ▲ | 74.96% | +6.58 | 68.38% |
| Total Deposits ($M) | ▼ | $164 | -2.40 | $167 |
| Shareholders Equity ($M) | ▲ | $17 | +2.04 | $15 |
| Tang. Book Value ($M) | ▲ | $16 | +2.05 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +1.86 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 74.96% | +6.58 | 68.38% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.64% | -0.10 | 0.74% |
| Allowance / Loans (%) | — | 1.07% | -0.09% | 1.15% |
| Net Charge-Off Ratio (%) | ▲ | 0.85% | -0.08 | 0.94% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 15.38% | +0.02 | 15.36% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆██ | Net Interest Margin (%) | 2.79% | 2.87% | 3.13% | 3.17% | 3.23% | 3.29% | 3.50% | 3.55% |
| ▁▂▄▄▄▅▇█ | Return on Assets (%) | 0.53% | 0.59% | 0.67% | 0.69% | 0.70% | 0.74% | 0.85% | 0.90% |
| █▇▄▄▃▃▁▁ | Efficiency Ratio (%) | 77.7% | 76.3% | 73.2% | 72.7% | 71.7% | 71.5% | 70.1% | 69.1% |
| █▇▃▄▄▃▁▂ | Cost of Funds (%) | 1.78% | 1.69% | 1.51% | 1.59% | 1.58% | 1.50% | 1.40% | 1.45% |
| ▁▄▁████▇ | NPA / Assets (%) | 0.17% | 0.44% | 0.15% | 0.74% | 0.70% | 0.72% | 0.68% | 0.64% |
| ▁▅▁█████ | Net Charge-Off Ratio (%) | 0.07% | 0.49% | 0.00% | 0.94% | 0.92% | 0.92% | 0.88% | 0.85% |
| ▂▁▂▄▆▇██ | Tang. Book Value ($M) | $13 | $12 | $13 | $14 | $15 | $15 | $16 | $16 |
| ▁▁▂▃▄▄▆█ | Gross Loans ($M) | $112 | $111 | $113 | $115 | $117 | $117 | $120 | $124 |
| ▃▁█▅▆▃█▃ | Total Deposits ($M) | $164 | $162 | $171 | $167 | $169 | $165 | $170 | $164 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 13% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 4% |