Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.70% | +0.30 | 0.40% |
| Return on Equity (%) | ▲ | 7.43% | +2.93 | 4.50% |
| Net Interest Margin (%) | ▲ | 3.14% | +0.23 | 2.91% |
| Efficiency Ratio (%) | ▲ | 72.93% | -6.45 | 79.39% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.05 | $0 |
| Cost of Funds (%) | ▲ | 1.60% | -0.05 | 1.65% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $138 | +7.34 | $131 |
| Gross Loans ($M) | ▲ | $86 | +6.68 | $80 |
| Loan Growth YoY (%) | ▲ | 72.81% | +3.83 | 68.98% |
| Total Deposits ($M) | ▲ | $117 | +3.16 | $114 |
| Shareholders Equity ($M) | ▲ | $13 | +1.66 | $12 |
| Tang. Book Value ($M) | ▲ | $13 | +1.66 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +1.73 | $13 |
| Loan / Deposit Ratio (%) | ▲ | 72.81% | +3.83 | 68.98% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.02 | 0.02% |
| Allowance / Loans (%) | — | 0.97% | -0.06% | 1.03% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.03 | 0.03% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 21.38% | -0.27 | 21.65% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▁▂▄▄▇█ | Net Interest Margin (%) | 2.85% | 2.91% | 2.88% | 2.91% | 2.96% | 3.00% | 3.09% | 3.14% |
| ▁▂▁▁▂▃██ | Return on Assets (%) | 0.42% | 0.46% | 0.43% | 0.40% | 0.47% | 0.51% | 0.72% | 0.70% |
| █▇█▅▅▄▁▁ | Efficiency Ratio (%) | 83.9% | 82.3% | 83.3% | 79.4% | 78.4% | 77.8% | 71.9% | 72.9% |
| ▁▁▁▄▇█▄▂ | Cost of Funds (%) | 1.57% | 1.58% | 1.59% | 1.65% | 1.72% | 1.74% | 1.64% | 1.60% |
| ▅█▁▂▆▁▁▁ | NPA / Assets (%) | 0.07% | 0.13% | 0.00% | 0.02% | 0.10% | 0.02% | 0.00% | 0.00% |
| ▅█▁▂▆▁▁▁ | Net Charge-Off Ratio (%) | 0.13% | 0.22% | 0.00% | 0.03% | 0.15% | 0.03% | 0.00% | 0.00% |
| ▃▁▁▁▅▇▆█ | Tang. Book Value ($M) | $12 | $11 | $11 | $11 | $12 | $13 | $12 | $13 |
| ▁▂▂▄▆▇▇█ | Gross Loans ($M) | $74 | $77 | $77 | $80 | $83 | $84 | $84 | $86 |
| ▁▁▃▅▆▅▇█ | Total Deposits ($M) | $111 | $111 | $112 | $114 | $115 | $114 | $116 | $117 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 98% |
| C&I / Commercial | 1% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 6% |
| Interest-Bearing (core) | 88% |
| Brokered / Other | 7% |