Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.75% | +0.11 | 0.64% |
| Return on Equity (%) | ▲ | 9.54% | +1.24 | 8.30% |
| Net Interest Margin (%) | ▼ | 4.44% | -0.01 | 4.46% |
| Efficiency Ratio (%) | ▲ | 73.53% | -2.88 | 76.41% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.07 | $1 |
| Cost of Funds (%) | ▲ | 2.12% | -0.12 | 2.24% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $201 | +19.71 | $182 |
| Gross Loans ($M) | ▲ | $164 | +24.88 | $139 |
| Loan Growth YoY (%) | ▲ | 88.15% | +5.72 | 82.43% |
| Total Deposits ($M) | ▲ | $184 | +17.07 | $167 |
| Shareholders Equity ($M) | ▲ | $16 | +2.30 | $14 |
| Tang. Book Value ($M) | ▲ | $16 | +2.30 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 88.15% | +5.72 | 82.43% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.22 | 0.22% |
| Allowance / Loans (%) | — | 1.05% | 0.03% | 1.02% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.03 | 0.03% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 9.52% | -0.80 | 10.32% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▇▇▁▆▇█▄▆ | Net Interest Margin (%) | 4.51% | 4.51% | 4.19% | 4.46% | 4.51% | 4.59% | 4.39% | 4.44% |
| ▁▃▁▄▅▇██ | Return on Assets (%) | 0.57% | 0.62% | 0.56% | 0.64% | 0.67% | 0.70% | 0.73% | 0.75% |
| ▆▅█▅▄▁▂▁ | Efficiency Ratio (%) | 76.9% | 76.2% | 78.6% | 76.4% | 75.8% | 74.1% | 74.3% | 73.5% |
| ██▄▂▁▂▁▁ | Cost of Funds (%) | 2.69% | 2.64% | 2.37% | 2.24% | 2.18% | 2.25% | 2.18% | 2.12% |
| ▂██▂▂▂▁▁ | NPA / Assets (%) | 0.18% | 1.19% | 1.35% | 0.22% | 0.21% | 0.20% | 0.05% | 0.00% |
| ▂▇█▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.24% | 1.60% | 1.83% | 0.03% | 0.03% | 0.03% | 0.07% | 0.00% |
| ▁▁▂▂▄▆▇█ | Tang. Book Value ($M) | $13 | $13 | $14 | $14 | $15 | $15 | $15 | $16 |
| ▂▁▁▃▄▆▇█ | Gross Loans ($M) | $132 | $127 | $131 | $139 | $144 | $154 | $156 | $164 |
| ▁▁▂▃▆▄██ | Total Deposits ($M) | $158 | $157 | $162 | $167 | $174 | $170 | $183 | $184 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 14% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 10% |
| Interest-Bearing (core) | 80% |
| Brokered / Other | 11% |