Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.97% | +0.28 | 0.70% |
| Return on Equity (%) | ▲ | 4.49% | +1.13 | 3.36% |
| Net Interest Margin (%) | ▼ | 3.60% | -0.04 | 3.64% |
| Efficiency Ratio (%) | ▲ | 69.24% | -0.79 | 70.02% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.05 | $0 |
| Cost of Funds (%) | ▲ | 1.08% | -0.27 | 1.36% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $148 | +14.74 | $134 |
| Gross Loans ($M) | ▲ | $109 | +11.47 | $98 |
| Loan Growth YoY (%) | ▲ | 93.78% | +0.88 | 92.90% |
| Total Deposits ($M) | ▲ | $115 | +11.12 | $104 |
| Shareholders Equity ($M) | ▲ | $32 | +3.40 | $28 |
| Tang. Book Value ($M) | ▲ | $31 | +3.17 | $28 |
| Loan / Deposit Ratio (%) | ▲ | 93.78% | +0.88 | 92.90% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.32% | -0.02 | 0.34% |
| Allowance / Loans (%) | — | 1.33% | -0.03% | 1.36% |
| Net Charge-Off Ratio (%) | ▲ | 0.43% | -0.04 | 0.47% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▁▄▅▄▂▂ | Net Interest Margin (%) | 3.70% | 3.68% | 3.57% | 3.64% | 3.65% | 3.64% | 3.60% | 3.60% |
| ▅▅▁▅▅▆██ | Return on Assets (%) | 0.70% | 0.71% | 0.41% | 0.70% | 0.75% | 0.82% | 0.93% | 0.97% |
| ██▃▃▁▁▄▂ | Efficiency Ratio (%) | 77.1% | 76.0% | 70.3% | 70.0% | 67.6% | 67.8% | 71.4% | 69.2% |
| █▇▆▇▇▇▄▁ | Cost of Funds (%) | 1.43% | 1.38% | 1.33% | 1.36% | 1.34% | 1.35% | 1.22% | 1.08% |
| ▂█▃▁▁▂▁▁ | NPA / Assets (%) | 0.42% | 0.76% | 0.43% | 0.34% | 0.34% | 0.38% | 0.34% | 0.32% |
| ▂█▂▁▁▂▁▁ | Net Charge-Off Ratio (%) | 0.57% | 1.08% | 0.59% | 0.47% | 0.47% | 0.53% | 0.48% | 0.43% |
| ▁▁▁▂▃▃▄█ | Tang. Book Value ($M) | $27 | $27 | $28 | $28 | $28 | $29 | $29 | $31 |
| ▄▂▃▂▂▁▁█ | Gross Loans ($M) | $100 | $97 | $98 | $98 | $97 | $95 | $94 | $109 |
| ▃▄▂▂▂▂▁█ | Total Deposits ($M) | $106 | $108 | $105 | $104 | $104 | $103 | $101 | $115 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 93% |
| C&I / Commercial | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 15% |