Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.42% | +0.22 | 0.20% |
| Return on Equity (%) | ▲ | 4.49% | +2.31 | 2.18% |
| Net Interest Margin (%) | ▲ | 2.63% | +0.32 | 2.31% |
| Efficiency Ratio (%) | ▲ | 80.16% | -10.64 | 90.80% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.25 | $0 |
| Cost of Funds (%) | ▲ | 2.42% | -0.25 | 2.67% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $381 | +0.76 | $381 |
| Gross Loans ($M) | ▼ | $308 | -9.24 | $317 |
| Loan Growth YoY (%) | ▼ | 111.08% | -16.75 | 127.83% |
| Total Deposits ($M) | ▲ | $276 | +28.96 | $247 |
| Shareholders Equity ($M) | ▲ | $36 | +1.25 | $35 |
| Tang. Book Value ($M) | ▲ | $36 | +1.25 | $35 |
| TBV excl. AOCI ($M)** | ▲ | $38 | +1.38 | $36 |
| Loan / Deposit Ratio (%) | ▼ | 111.08% | -16.75 | 127.83% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.33% | +0.00 | 0.33% |
| Allowance / Loans (%) | — | 0.41% | 0.01% | 0.40% |
| Net Charge-Off Ratio (%) | ▼ | 0.16% | +0.07 | 0.09% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -18.68 | 18.68% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▁▁▂▃▃██ | Net Interest Margin (%) | 2.32% | 2.28% | 2.24% | 2.31% | 2.35% | 2.38% | 2.60% | 2.63% |
| ▂▁▁▁▂▂██ | Return on Assets (%) | 0.20% | 0.18% | 0.17% | 0.20% | 0.22% | 0.21% | 0.43% | 0.42% |
| ▇██▇▇▇▁▁ | Efficiency Ratio (%) | 90.8% | 92.6% | 91.5% | 90.8% | 89.7% | 90.2% | 78.6% | 80.2% |
| ▇█▆▇▇▇▄▁ | Cost of Funds (%) | 2.66% | 2.73% | 2.64% | 2.67% | 2.67% | 2.66% | 2.55% | 2.42% |
| ▆█▆▂▂▁▂▂ | NPA / Assets (%) | 0.40% | 0.45% | 0.41% | 0.33% | 0.33% | 0.29% | 0.31% | 0.33% |
| ██▂▁▁▁▂▃ | Net Charge-Off Ratio (%) | 0.30% | 0.29% | 0.13% | 0.09% | 0.09% | 0.10% | 0.12% | 0.16% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $34 | $34 | $34 | $35 | $35 | $35 | $36 | $36 |
| ▃▅▅▇█▅▁▁ | Gross Loans ($M) | $312 | $314 | $314 | $317 | $320 | $315 | $309 | $308 |
| ▁▁▂▃▃▃▇█ | Total Deposits ($M) | $234 | $237 | $242 | $247 | $249 | $247 | $271 | $276 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 11% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 17% |