Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.58% | +0.42 | 0.16% |
| Return on Equity (%) | ▲ | 3.35% | +2.45 | 0.90% |
| Net Interest Margin (%) | ▲ | 3.95% | +0.35 | 3.60% |
| Efficiency Ratio (%) | ▲ | 80.58% | -12.62 | 93.20% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.26 | $0 |
| Cost of Funds (%) | ▼ | 2.02% | +0.09 | 1.92% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $126 | +6.70 | $119 |
| Gross Loans ($M) | ▲ | $98 | +14.89 | $83 |
| Loan Growth YoY (%) | ▲ | 109.66% | +20.44 | 89.22% |
| Total Deposits ($M) | ▼ | $88 | -3.57 | $92 |
| Shareholders Equity ($M) | ▲ | $22 | +0.64 | $21 |
| Tang. Book Value ($M) | ▲ | $22 | +0.64 | $21 |
| Loan / Deposit Ratio (%) | ▲ | 109.66% | +20.44 | 89.22% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.40% | -0.17% | 1.56% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▁▁▁▃▄▇█ | Net Interest Margin (%) | 3.68% | 3.59% | 3.55% | 3.60% | 3.68% | 3.73% | 3.88% | 3.95% |
| ▅▅▁▁▁▁▅█ | Return on Assets (%) | 0.39% | 0.38% | 0.11% | 0.16% | 0.11% | 0.15% | 0.35% | 0.58% |
| ▃▅███▇▄▁ | Efficiency Ratio (%) | 85.3% | 88.7% | 94.4% | 93.2% | 94.2% | 92.4% | 87.2% | 80.6% |
| ██▃▃▄▁▂▄ | Cost of Funds (%) | 2.26% | 2.31% | 1.94% | 1.92% | 1.99% | 1.77% | 1.85% | 2.02% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▂▁▂▃▄▅▆█ | Tang. Book Value ($M) | $21 | $21 | $21 | $21 | $21 | $22 | $22 | $22 |
| ▄▂▁▁▂▇██ | Gross Loans ($M) | $90 | $86 | $84 | $83 | $87 | $96 | $99 | $98 |
| ▆█▂▃▂▄▁▁ | Total Deposits ($M) | $96 | $101 | $89 | $92 | $90 | $93 | $87 | $88 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 4% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 25% |