Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.77% | +0.25 | 0.52% |
| Return on Equity (%) | ▲ | 4.55% | +1.32 | 3.23% |
| Net Interest Margin (%) | ▲ | 3.45% | +0.26 | 3.19% |
| Efficiency Ratio (%) | ▲ | 69.08% | -6.11 | 75.19% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.16 | $1 |
| Cost of Funds (%) | ▲ | 1.95% | -0.16 | 2.11% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $367 | +0.77 | $366 |
| Gross Loans ($M) | ▲ | $287 | +0.46 | $287 |
| Loan Growth YoY (%) | ▼ | 93.42% | -0.41 | 93.83% |
| Total Deposits ($M) | ▲ | $303 | +1.97 | $301 |
| Shareholders Equity ($M) | ▲ | $62 | +2.59 | $60 |
| Tang. Book Value ($M) | ▲ | $62 | +2.59 | $60 |
| Loan / Deposit Ratio (%) | ▼ | 93.42% | -0.41 | 93.83% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.67% | +0.38 | 0.30% |
| Allowance / Loans (%) | — | 1.28% | -0.05% | 1.34% |
| Net Charge-Off Ratio (%) | ▼ | 0.82% | +0.44 | 0.38% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 27.67% | +1.63 | 26.04% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▂▁▂▄▇██ | Net Interest Margin (%) | 3.17% | 3.16% | 3.10% | 3.19% | 3.27% | 3.37% | 3.42% | 3.45% |
| ▇▄▁▁▁▁▄█ | Return on Assets (%) | 0.73% | 0.64% | 0.51% | 0.52% | 0.54% | 0.54% | 0.64% | 0.77% |
| ▃▅▆▆▇█▁▁ | Efficiency Ratio (%) | 72.2% | 75.0% | 76.2% | 75.2% | 77.2% | 79.1% | 68.4% | 69.1% |
| ██▅█▅▆▁▁ | Cost of Funds (%) | 2.12% | 2.10% | 2.04% | 2.11% | 2.04% | 2.07% | 1.96% | 1.95% |
| ▁▁▁▁▃▃▄█ | NPA / Assets (%) | 0.30% | 0.28% | 0.30% | 0.30% | 0.42% | 0.38% | 0.44% | 0.67% |
| ▁▁▁▁▃▂▃█ | Net Charge-Off Ratio (%) | 0.38% | 0.37% | 0.38% | 0.38% | 0.52% | 0.47% | 0.50% | 0.82% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $58 | $58 | $59 | $60 | $60 | $61 | $61 | $62 |
| ▁▁▂▃█▇▅▄ | Gross Loans ($M) | $283 | $284 | $285 | $287 | $294 | $291 | $289 | $287 |
| ▂▆█▄▁▁▂▆ | Total Deposits ($M) | $298 | $303 | $306 | $301 | $297 | $297 | $299 | $303 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 1% |
| Consumer | 18% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 10% |