Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.39% | -0.31 | 1.70% |
| Return on Equity (%) | ▼ | 8.32% | -1.70 | 10.02% |
| Net Interest Margin (%) | ▲ | 3.89% | +0.28 | 3.61% |
| Efficiency Ratio (%) | ▼ | 66.65% | +7.49 | 59.16% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.11 | $0 |
| Cost of Funds (%) | ▲ | 1.96% | -0.49 | 2.45% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $130 | +6.42 | $124 |
| Gross Loans ($M) | ▲ | $98 | +4.38 | $94 |
| Loan Growth YoY (%) | ▲ | 110.44% | +2.92 | 107.52% |
| Total Deposits ($M) | ▲ | $88 | +1.69 | $86 |
| Shareholders Equity ($M) | ▲ | $22 | +0.60 | $21 |
| Tang. Book Value ($M) | ▲ | $21 | +0.61 | $20 |
| Loan / Deposit Ratio (%) | ▲ | 110.44% | +2.92 | 107.52% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.72 | 0.72% |
| Allowance / Loans (%) | — | 1.51% | -0.07% | 1.58% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.94 | 0.94% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 21.22% | -0.45 | 21.67% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▇▆▁▁██▆▅ | Net Interest Margin (%) | 4.00% | 3.98% | 3.65% | 3.61% | 4.13% | 4.08% | 3.95% | 3.89% |
| ▆▃█▆▇▅▅▁ | Return on Assets (%) | 1.68% | 1.51% | 1.84% | 1.70% | 1.76% | 1.62% | 1.63% | 1.39% |
| ▇█▁▂▄▅▅█ | Efficiency Ratio (%) | 65.6% | 68.0% | 57.2% | 59.2% | 61.3% | 63.6% | 63.3% | 66.7% |
| █▇▅▅▃▂▁▁ | Cost of Funds (%) | 2.86% | 2.66% | 2.42% | 2.45% | 2.26% | 2.15% | 2.01% | 1.96% |
| ████▃▃▁▁ | NPA / Assets (%) | 0.76% | 0.72% | 0.72% | 0.72% | 0.28% | 0.28% | 0.00% | 0.00% |
| ████▃▃▁▁ | Net Charge-Off Ratio (%) | 0.97% | 0.95% | 1.03% | 0.94% | 0.37% | 0.37% | 0.00% | 0.00% |
| ▂▁▂▃▅▁▇█ | Tang. Book Value ($M) | $20 | $20 | $20 | $20 | $20 | $20 | $20 | $21 |
| ▆▅▁▆▆▆▃█ | Gross Loans ($M) | $94 | $93 | $86 | $94 | $95 | $95 | $90 | $98 |
| █▄▆▄▇▁▁▆ | Total Deposits ($M) | $89 | $86 | $87 | $86 | $88 | $83 | $84 | $88 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 92% |
| C&I / Commercial | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 8% |
| Interest-Bearing (core) | 84% |
| Brokered / Other | 8% |