Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.69% | +0.25 | 0.44% |
| Return on Equity (%) | ▲ | 7.69% | +2.64 | 5.05% |
| Net Interest Margin (%) | ▲ | 3.02% | +0.31 | 2.70% |
| Efficiency Ratio (%) | ▲ | 72.92% | -6.61 | 79.53% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.08 | $0 |
| Cost of Funds (%) | ▲ | 2.03% | -0.16 | 2.19% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $110 | -0.93 | $111 |
| Gross Loans ($M) | ▼ | $96 | -1.66 | $98 |
| Loan Growth YoY (%) | ▼ | 120.41% | -6.00 | 126.40% |
| Total Deposits ($M) | ▲ | $79 | +2.42 | $77 |
| Shareholders Equity ($M) | ▲ | $10 | +0.53 | $9 |
| Tang. Book Value ($M) | ▲ | $10 | +0.53 | $9 |
| Loan / Deposit Ratio (%) | ▼ | 120.41% | -6.00 | 126.40% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.13% | +0.13 | 0.00% |
| Allowance / Loans (%) | — | 0.85% | 0.03% | 0.82% |
| Net Charge-Off Ratio (%) | ▼ | 0.14% | +0.14 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.26% | +1.02 | 13.24% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▅▆▆▇█ | Net Interest Margin (%) | 2.24% | 2.31% | 2.64% | 2.70% | 2.76% | 2.80% | 2.92% | 3.02% |
| ▁▁▄▅▅▄▆█ | Return on Assets (%) | 0.14% | 0.13% | 0.39% | 0.44% | 0.44% | 0.40% | 0.54% | 0.69% |
| ██▃▃▃▄▁▁ | Efficiency Ratio (%) | 93.3% | 93.5% | 80.4% | 79.5% | 79.3% | 81.5% | 75.2% | 72.9% |
| █▆▃▄▇▅▁▁ | Cost of Funds (%) | 2.45% | 2.34% | 2.17% | 2.19% | 2.35% | 2.25% | 2.06% | 2.03% |
| ▁▁▁▁▁███ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.13% | 0.12% | 0.13% |
| ▁▁▁▁▁███ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.14% | 0.14% | 0.14% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $9 | $9 | $9 | $9 | $10 | $10 | $10 | $10 |
| ▁▄▇█▅█▇▆ | Gross Loans ($M) | $91 | $94 | $96 | $98 | $95 | $97 | $97 | $96 |
| ▁▂▄▆▆▇██ | Total Deposits ($M) | $71 | $72 | $75 | $77 | $76 | $77 | $78 | $79 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 97% |
| C&I / Commercial | 2% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 75% |
| Brokered / Other | 8% |