Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.61% | +0.12 | 0.49% |
| Return on Equity (%) | ▲ | 6.75% | +0.81 | 5.94% |
| Net Interest Margin (%) | ▲ | 4.29% | +0.30 | 3.98% |
| Efficiency Ratio (%) | ▲ | 81.11% | -3.61 | 84.72% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.00 | $0 |
| Cost of Funds (%) | ▲ | 0.90% | -0.12 | 1.03% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $152 | -1.84 | $153 |
| Gross Loans ($M) | ▼ | $117 | -2.72 | $119 |
| Loan Growth YoY (%) | ▼ | 86.10% | -2.29 | 88.39% |
| Total Deposits ($M) | ▲ | $134 | +0.41 | $134 |
| Shareholders Equity ($M) | ▲ | $14 | +0.98 | $13 |
| Tang. Book Value ($M) | ▲ | $13 | +1.04 | $12 |
| Loan / Deposit Ratio (%) | ▼ | 86.10% | -2.29 | 88.39% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.80% | 0.01% | 0.80% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 19.20% | +1.93 | 17.27% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆▆▇███ | Net Interest Margin (%) | 3.09% | 3.24% | 3.85% | 3.98% | 4.13% | 4.21% | 4.19% | 4.29% |
| █▁▁▁▁▁▂▂ | Return on Assets (%) | 1.97% | 0.50% | 0.37% | 0.49% | 0.55% | 0.55% | 0.63% | 0.61% |
| ▁▃██▇▇▆▇ | Efficiency Ratio (%) | 57.9% | 66.7% | 88.3% | 84.7% | 83.2% | 83.9% | 79.4% | 81.1% |
| ██▄▂▂▁▁▁ | Cost of Funds (%) | 1.49% | 1.46% | 1.19% | 1.03% | 0.97% | 0.91% | 0.89% | 0.90% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| █▁▁▂▅▆▇█ | Tang. Book Value ($M) | $13 | $12 | $12 | $12 | $12 | $13 | $13 | $13 |
| ██▄█▄▁▃▂ | Gross Loans ($M) | $119 | $119 | $118 | $119 | $118 | $116 | $117 | $117 |
| █▁▆▇▆▂██ | Total Deposits ($M) | $135 | $123 | $132 | $134 | $132 | $126 | $135 | $134 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 99% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 9% |