Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.62% | +0.07 | 0.54% |
| Return on Equity (%) | ▲ | 3.87% | +0.28 | 3.59% |
| Net Interest Margin (%) | ▲ | 4.32% | +0.12 | 4.20% |
| Efficiency Ratio (%) | ▲ | 81.01% | -0.02 | 81.02% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.01 | $0 |
| Cost of Funds (%) | ▼ | 0.77% | +0.04 | 0.73% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $199 | +1.79 | $197 |
| Gross Loans ($M) | ▲ | $136 | +9.42 | $127 |
| Loan Growth YoY (%) | ▲ | 85.84% | +8.15 | 77.69% |
| Total Deposits ($M) | ▼ | $158 | -4.48 | $162 |
| Shareholders Equity ($M) | ▲ | $32 | +2.00 | $30 |
| Tang. Book Value ($M) | ▲ | $27 | +2.39 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $28 | +2.06 | $26 |
| Loan / Deposit Ratio (%) | ▲ | 85.84% | +8.15 | 77.69% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.71% | +0.37 | 0.34% |
| Allowance / Loans (%) | — | 0.83% | -0.02% | 0.84% |
| Net Charge-Off Ratio (%) | ▼ | 1.00% | +0.57 | 0.43% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 24.73% | +0.86 | 23.88% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▁▁▄▅▄▆█ | Net Interest Margin (%) | 4.15% | 4.12% | 4.11% | 4.20% | 4.23% | 4.19% | 4.26% | 4.32% |
| ▁▁▄▅▇███ | Return on Assets (%) | 0.43% | 0.42% | 0.51% | 0.54% | 0.57% | 0.60% | 0.61% | 0.62% |
| ██▆▁▁▁▁▁ | Efficiency Ratio (%) | 84.9% | 84.9% | 83.4% | 81.0% | 81.2% | 80.8% | 81.2% | 81.0% |
| ▁█▃▁▁█▂▂ | Cost of Funds (%) | 0.75% | 0.90% | 0.79% | 0.73% | 0.74% | 0.90% | 0.76% | 0.77% |
| ▃▁▅▁▂▆▆█ | NPA / Assets (%) | 0.45% | 0.35% | 0.55% | 0.34% | 0.41% | 0.57% | 0.58% | 0.71% |
| ▄▂▇▁▂▅▅█ | Net Charge-Off Ratio (%) | 0.70% | 0.55% | 0.87% | 0.43% | 0.53% | 0.74% | 0.73% | 1.00% |
| ▃▁▂▂▅▇██ | Tang. Book Value ($M) | $24 | $24 | $24 | $24 | $25 | $26 | $26 | $27 |
| ▁▁▁▂▆▇▆█ | Gross Loans ($M) | $125 | $126 | $126 | $127 | $133 | $134 | $133 | $136 |
| ▇██▆▁▆▆▂ | Total Deposits ($M) | $163 | $163 | $164 | $162 | $157 | $161 | $161 | $158 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 92% |
| C&I / Commercial | 6% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 12% |
| Interest-Bearing (core) | 84% |
| Brokered / Other | 4% |