Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.09% | +1.32 | -1.23% |
| Return on Equity (%) | ▲ | 0.51% | +7.38 | -6.87% |
| Net Interest Margin (%) | ▲ | 2.96% | +0.36 | 2.60% |
| Efficiency Ratio (%) | ▲ | 96.67% | -27.97 | 124.64% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.13 | $-0 |
| Cost of Funds (%) | ▲ | 1.92% | -0.35 | 2.27% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $222 | -11.63 | $234 |
| Gross Loans ($M) | ▼ | $195 | -20.08 | $215 |
| Loan Growth YoY (%) | ▼ | 108.56% | -7.75 | 116.31% |
| Total Deposits ($M) | ▼ | $178 | -5.38 | $184 |
| Shareholders Equity ($M) | ▲ | $41 | +0.20 | $41 |
| Tang. Book Value ($M) | ▲ | $41 | +0.20 | $41 |
| Loan / Deposit Ratio (%) | ▼ | 108.56% | -7.75 | 116.31% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.67% | 0.06% | 0.60% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 24.53% | +2.97 | 21.56% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▃▄▅██ | Net Interest Margin (%) | 2.41% | 2.42% | 2.58% | 2.60% | 2.63% | 2.70% | 2.99% | 2.96% |
| ▇▇▃▁▃▄██ | Return on Assets (%) | -0.22% | -0.22% | -0.77% | -1.23% | -0.84% | -0.58% | 0.10% | 0.09% |
| ▄▄█▅▄▃▁▁ | Efficiency Ratio (%) | 116.4% | 115.4% | 144.7% | 124.6% | 116.8% | 110.5% | 96.7% | 96.7% |
| ██▅▇▅▄▁▁ | Cost of Funds (%) | 2.37% | 2.33% | 2.20% | 2.27% | 2.18% | 2.10% | 1.94% | 1.92% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ██▆▁▁▁▁▂ | Tang. Book Value ($M) | $43 | $42 | $42 | $41 | $41 | $41 | $41 | $41 |
| ▅▆██▆▂▂▁ | Gross Loans ($M) | $209 | $211 | $218 | $215 | $210 | $199 | $198 | $195 |
| ▄▄█▇▆▁▁▃ | Total Deposits ($M) | $180 | $181 | $186 | $184 | $182 | $176 | $176 | $178 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 4% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 29% |