Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.29% | +0.07 | 0.22% |
| Return on Equity (%) | ▲ | 4.33% | +0.85 | 3.48% |
| Net Interest Margin (%) | ▲ | 3.26% | +0.20 | 3.07% |
| Efficiency Ratio (%) | ▲ | 85.36% | -5.28 | 90.64% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.13 | $0 |
| Cost of Funds (%) | ▼ | 1.46% | +0.07 | 1.39% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $276 | +12.88 | $263 |
| Gross Loans ($M) | ▲ | $203 | +12.64 | $190 |
| Loan Growth YoY (%) | ▲ | 80.20% | +2.24 | 77.96% |
| Total Deposits ($M) | ▲ | $251 | +9.47 | $241 |
| Shareholders Equity ($M) | ▲ | $19 | +2.99 | $16 |
| Tang. Book Value ($M) | ▲ | $19 | +2.99 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +3.00 | $18 |
| Loan / Deposit Ratio (%) | ▲ | 80.20% | +2.24 | 77.96% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.35% | -0.28 | 0.62% |
| Allowance / Loans (%) | — | 0.84% | -0.24% | 1.08% |
| Net Charge-Off Ratio (%) | ▲ | 0.47% | -0.39 | 0.86% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 15.47% | -0.44 | 15.91% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▆▇██ | Net Interest Margin (%) | 2.84% | 2.84% | 2.97% | 3.07% | 3.15% | 3.19% | 3.24% | 3.26% |
| ▁▁▄▅▇█▄█ | Return on Assets (%) | 0.12% | 0.13% | 0.19% | 0.22% | 0.27% | 0.30% | 0.19% | 0.29% |
| ██▅▄▃▂▁▁ | Efficiency Ratio (%) | 96.9% | 96.2% | 91.9% | 90.6% | 88.9% | 87.9% | 85.8% | 85.4% |
| ██▂▁▁▁▄▄ | Cost of Funds (%) | 1.57% | 1.57% | 1.40% | 1.39% | 1.39% | 1.37% | 1.46% | 1.46% |
| ▁▁███▃▃▂ | NPA / Assets (%) | 0.29% | 0.28% | 0.60% | 0.62% | 0.62% | 0.41% | 0.39% | 0.35% |
| ▁▁███▄▃▂ | Net Charge-Off Ratio (%) | 0.40% | 0.38% | 0.84% | 0.86% | 0.83% | 0.56% | 0.53% | 0.47% |
| ▅▁▃▁▅▇▇█ | Tang. Book Value ($M) | $17 | $16 | $17 | $16 | $17 | $18 | $18 | $19 |
| ▁▃▂▃▆▆██ | Gross Loans ($M) | $183 | $188 | $187 | $190 | $196 | $197 | $201 | $203 |
| ▁▁▅▅▄▇██ | Total Deposits ($M) | $230 | $228 | $240 | $241 | $238 | $247 | $248 | $251 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 95% |
| C&I / Commercial | 4% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 16% |