Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.75% | +0.08 | 0.66% |
| Return on Equity (%) | ▼ | 9.75% | -0.01 | 9.76% |
| Net Interest Margin (%) | ▲ | 3.86% | +0.31 | 3.54% |
| Efficiency Ratio (%) | ▲ | 78.62% | -2.81 | 81.43% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.11 | $1 |
| Cost of Funds (%) | ▲ | 2.38% | -0.30 | 2.68% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $351 | +4.86 | $346 |
| Gross Loans ($M) | ▲ | $247 | +17.64 | $229 |
| Loan Growth YoY (%) | ▲ | 82.79% | +7.45 | 75.34% |
| Total Deposits ($M) | ▼ | $295 | -5.83 | $300 |
| Shareholders Equity ($M) | ▲ | $27 | +3.73 | $24 |
| Tang. Book Value ($M) | ▲ | $27 | +3.73 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +4.06 | $27 |
| Loan / Deposit Ratio (%) | ▲ | 82.79% | +7.45 | 75.34% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.68% | +0.46 | 0.22% |
| Allowance / Loans (%) | — | 1.22% | -0.05% | 1.27% |
| Net Charge-Off Ratio (%) | ▼ | 0.74% | +0.70 | 0.04% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.81% | +0.44 | 13.37% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▂▃▄██ | Net Interest Margin (%) | 3.50% | 3.51% | 3.51% | 3.54% | 3.61% | 3.67% | 3.84% | 3.86% |
| ▅▁▇█▇███ | Return on Assets (%) | 0.47% | 0.05% | 0.65% | 0.66% | 0.65% | 0.68% | 0.71% | 0.75% |
| ██▄▄▄▃▁▁ | Efficiency Ratio (%) | 86.6% | 86.0% | 81.4% | 81.4% | 82.1% | 80.9% | 77.6% | 78.6% |
| ██▄▅▅▂▁▁ | Cost of Funds (%) | 2.92% | 2.87% | 2.62% | 2.68% | 2.66% | 2.51% | 2.40% | 2.38% |
| ▃██▁▂▂▃▄ | NPA / Assets (%) | 0.51% | 1.19% | 1.11% | 0.22% | 0.37% | 0.37% | 0.55% | 0.68% |
| ▄██▁▂▁▃▄ | Net Charge-Off Ratio (%) | 0.72% | 1.66% | 1.60% | 0.04% | 0.26% | 0.23% | 0.58% | 0.74% |
| ▆▁▃▂▆▇██ | Tang. Book Value ($M) | $26 | $22 | $24 | $24 | $26 | $26 | $27 | $27 |
| █▆▆▂▁▄▇█ | Gross Loans ($M) | $245 | $240 | $239 | $229 | $224 | $235 | $243 | $247 |
| ▃▁▅█▁█▅▅ | Total Deposits ($M) | $292 | $288 | $296 | $300 | $290 | $301 | $295 | $295 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 93% |
| C&I / Commercial | 4% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 7% |
| Interest-Bearing (core) | 81% |
| Brokered / Other | 12% |