Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.67% | +0.19 | 0.48% |
| Return on Equity (%) | ▲ | 11.49% | +0.97 | 10.52% |
| Net Interest Margin (%) | ▲ | 3.77% | +0.13 | 3.64% |
| Efficiency Ratio (%) | ▲ | 78.76% | -6.17 | 84.93% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.12 | $0 |
| Cost of Funds (%) | ▼ | 1.52% | +0.06 | 1.45% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $194 | +7.64 | $187 |
| Gross Loans ($M) | ▲ | $127 | +11.46 | $116 |
| Loan Growth YoY (%) | ▲ | 70.85% | +6.40 | 64.45% |
| Total Deposits ($M) | ▲ | $177 | +0.06 | $177 |
| Shareholders Equity ($M) | ▲ | $12 | +2.13 | $10 |
| Tang. Book Value ($M) | ▲ | $12 | +2.13 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +2.18 | $13 |
| Loan / Deposit Ratio (%) | ▲ | 70.85% | +6.40 | 64.45% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.01% | -0.01 | 0.03% |
| Allowance / Loans (%) | — | 1.69% | -0.07% | 1.76% |
| Net Charge-Off Ratio (%) | ▲ | 0.02% | -0.02 | 0.04% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 15.24% | -0.63 | 15.87% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▅█▇ | Net Interest Margin (%) | 3.49% | 3.49% | 3.58% | 3.64% | 3.66% | 3.66% | 3.82% | 3.77% |
| ▁▁▄▄▄▅██ | Return on Assets (%) | 0.30% | 0.31% | 0.49% | 0.48% | 0.49% | 0.54% | 0.71% | 0.67% |
| ██▅▅▅▅▁▁ | Efficiency Ratio (%) | 89.2% | 89.7% | 84.9% | 84.9% | 84.6% | 83.7% | 77.7% | 78.8% |
| ▁▂▃▆▆▄▁█ | Cost of Funds (%) | 1.31% | 1.34% | 1.37% | 1.45% | 1.46% | 1.39% | 1.33% | 1.52% |
| ▁▁█▅▁▅▅▂ | NPA / Assets (%) | 0.00% | 0.00% | 0.05% | 0.03% | 0.00% | 0.03% | 0.03% | 0.01% |
| ▁▁█▅▁▅▅▂ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.09% | 0.04% | 0.00% | 0.05% | 0.05% | 0.02% |
| ▄▁▃▅▆███ | Tang. Book Value ($M) | $9 | $7 | $9 | $10 | $11 | $11 | $11 | $12 |
| ▁▃▄▄▅▇██ | Gross Loans ($M) | $108 | $116 | $118 | $116 | $119 | $124 | $129 | $127 |
| ▁▄▇▆▆██▆ | Total Deposits ($M) | $156 | $169 | $182 | $177 | $178 | $188 | $184 | $177 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 14% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 15% |