Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.53% | +0.28 | 0.25% |
| Return on Equity (%) | ▲ | 1.79% | +0.49 | 1.30% |
| Net Interest Margin (%) | ▲ | 4.30% | +0.23 | 4.06% |
| Efficiency Ratio (%) | ▲ | 77.12% | -16.73 | 93.84% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.68 | $0 |
| Cost of Funds (%) | ▲ | 1.00% | -0.25 | 1.25% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $297 | +54.22 | $242 |
| Gross Loans ($M) | ▲ | $234 | +35.49 | $199 |
| Loan Growth YoY (%) | ▲ | 112.26% | +6.35 | 105.91% |
| Total Deposits ($M) | ▲ | $207 | +20.71 | $186 |
| Shareholders Equity ($M) | ▲ | $86 | +41.46 | $45 |
| Tang. Book Value ($M) | ▲ | $86 | +41.46 | $45 |
| Loan / Deposit Ratio (%) | ▲ | 112.26% | +6.35 | 105.91% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.20 | 0.21% |
| Allowance / Loans (%) | — | 0.82% | 0.07% | 0.75% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.25 | 0.25% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 60.93% | +25.06 | 35.86% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▇▁▂▁▄██ | Net Interest Margin (%) | 4.19% | 4.23% | 4.02% | 4.06% | 4.03% | 4.14% | 4.27% | 4.30% |
| ▁▁▃▃▂▅▆█ | Return on Assets (%) | 0.11% | 0.12% | 0.22% | 0.25% | 0.21% | 0.37% | 0.42% | 0.53% |
| ███▇▇▅▃▁ | Efficiency Ratio (%) | 96.7% | 96.2% | 97.8% | 93.8% | 93.9% | 88.6% | 84.3% | 77.1% |
| ▅▅▄▅█▃▁▁ | Cost of Funds (%) | 1.26% | 1.25% | 1.20% | 1.25% | 1.51% | 1.15% | 0.95% | 1.00% |
| ▁▇█▇▇▄▄▁ | NPA / Assets (%) | 0.00% | 0.18% | 0.24% | 0.21% | 0.18% | 0.11% | 0.10% | 0.00% |
| ▁▇██▇▄▄▁ | Net Charge-Off Ratio (%) | 0.00% | 0.22% | 0.28% | 0.25% | 0.22% | 0.14% | 0.14% | 0.00% |
| ▁▁▁▁▁███ | Tang. Book Value ($M) | $44 | $44 | $45 | $45 | $45 | $85 | $86 | $86 |
| ▁▁▁▂▄▄▅█ | Gross Loans ($M) | $192 | $193 | $194 | $199 | $212 | $213 | $216 | $234 |
| ▁▁▁▂█▃▇█ | Total Deposits ($M) | $186 | $185 | $183 | $186 | $204 | $190 | $203 | $207 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 97% |
| C&I / Commercial | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 49% |
| Interest-Bearing (core) | 28% |
| Brokered / Other | 23% |