Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.32% | +0.32 | 0.00% |
| Return on Equity (%) | ▲ | 2.75% | +2.73 | 0.02% |
| Net Interest Margin (%) | ▲ | 2.08% | +0.59 | 1.49% |
| Efficiency Ratio (%) | ▲ | 84.17% | -24.87 | 109.03% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.12 | $-0 |
| Cost of Funds (%) | ▲ | 2.71% | -0.32 | 3.03% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $103 | +4.32 | $99 |
| Gross Loans ($M) | ▲ | $90 | +4.00 | $86 |
| Loan Growth YoY (%) | ▲ | 121.01% | +3.64 | 117.37% |
| Total Deposits ($M) | ▲ | $74 | +1.05 | $73 |
| Shareholders Equity ($M) | ▲ | $12 | +0.08 | $12 |
| Tang. Book Value ($M) | ▲ | $12 | +0.08 | $12 |
| Loan / Deposit Ratio (%) | ▲ | 121.01% | +3.64 | 117.37% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.85% | +0.49 | 1.37% |
| Allowance / Loans (%) | — | 0.85% | 0.06% | 0.79% |
| Net Charge-Off Ratio (%) | ▼ | 2.13% | +0.55 | 1.57% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▄▅██ | Net Interest Margin (%) | 1.00% | 1.05% | 1.43% | 1.49% | 1.50% | 1.58% | 2.08% | 2.08% |
| ▁▁▅▅▃▄██ | Return on Assets (%) | -0.53% | -0.52% | -0.07% | 0.00% | -0.21% | -0.10% | 0.39% | 0.32% |
| ██▃▃▃▂▁▁ | Efficiency Ratio (%) | 172.4% | 161.5% | 113.2% | 109.0% | 109.0% | 103.5% | 86.4% | 84.2% |
| █▇▅▄▅▃▂▁ | Cost of Funds (%) | 3.40% | 3.28% | 3.06% | 3.03% | 3.08% | 2.95% | 2.82% | 2.71% |
| ▅▂▂▁▅▂▃█ | NPA / Assets (%) | 1.66% | 1.43% | 1.43% | 1.37% | 1.64% | 1.45% | 1.52% | 1.85% |
| ▅▂▂▁▅▂▃█ | Net Charge-Off Ratio (%) | 1.91% | 1.66% | 1.66% | 1.57% | 1.89% | 1.67% | 1.75% | 2.13% |
| █▃▄▅▁▃▆█ | Tang. Book Value ($M) | $12 | $12 | $12 | $12 | $12 | $12 | $12 | $12 |
| ▄▁▁▁▂▅▅█ | Gross Loans ($M) | $88 | $86 | $86 | $86 | $86 | $88 | $88 | $90 |
| █▇▁▁▂▂▃▃ | Total Deposits ($M) | $76 | $76 | $73 | $73 | $73 | $73 | $74 | $74 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 99% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 4% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 22% |