Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.20% | +0.41 | 0.79% |
| Return on Equity (%) | ▲ | 11.53% | +3.79 | 7.74% |
| Net Interest Margin (%) | ▲ | 4.47% | +0.37 | 4.09% |
| Efficiency Ratio (%) | ▲ | 71.11% | -6.02 | 77.13% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.20 | $1 |
| Cost of Funds (%) | ▲ | 2.37% | -0.18 | 2.55% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $296 | -0.75 | $297 |
| Gross Loans ($M) | ▲ | $248 | +1.26 | $246 |
| Loan Growth YoY (%) | ▼ | 93.63% | -2.26 | 95.88% |
| Total Deposits ($M) | ▲ | $260 | +7.15 | $253 |
| Shareholders Equity ($M) | ▲ | $32 | +1.71 | $30 |
| Tang. Book Value ($M) | ▲ | $32 | +1.71 | $30 |
| Loan / Deposit Ratio (%) | ▼ | 93.63% | -2.26 | 95.88% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.09% | -0.06 | 0.15% |
| Allowance / Loans (%) | — | 1.58% | 0.10% | 1.48% |
| Net Charge-Off Ratio (%) | ▲ | 0.10% | -0.08 | 0.18% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.43% | +0.89 | 12.54% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▅▆▇██ | Net Interest Margin (%) | 3.50% | 3.67% | 3.90% | 4.09% | 4.18% | 4.26% | 4.38% | 4.47% |
| ▁▁▃▄▅▆██ | Return on Assets (%) | 0.42% | 0.50% | 0.69% | 0.79% | 0.86% | 0.91% | 1.13% | 1.20% |
| █▇▅▄▃▂▁▁ | Efficiency Ratio (%) | 87.4% | 83.8% | 79.4% | 77.1% | 75.2% | 74.6% | 71.0% | 71.1% |
| █▇▅▄▃▄▁▂ | Cost of Funds (%) | 2.84% | 2.69% | 2.61% | 2.55% | 2.44% | 2.55% | 2.27% | 2.37% |
| █▅▅▃▂▁▁▁ | NPA / Assets (%) | 0.33% | 0.24% | 0.22% | 0.15% | 0.13% | 0.11% | 0.09% | 0.09% |
| █▅▅▃▁▁▁▁ | Net Charge-Off Ratio (%) | 0.39% | 0.28% | 0.26% | 0.18% | 0.14% | 0.13% | 0.12% | 0.10% |
| ▁▁▃▄▅▆▇█ | Tang. Book Value ($M) | $29 | $29 | $30 | $30 | $31 | $31 | $32 | $32 |
| ▂▁▁▂██▄▃ | Gross Loans ($M) | $245 | $244 | $243 | $246 | $257 | $256 | $249 | $248 |
| ▁▁▂▃▅▅█▄ | Total Deposits ($M) | $239 | $241 | $245 | $253 | $262 | $263 | $284 | $260 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 7% |
| Consumer | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 75% |
| Brokered / Other | 10% |