Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.15% | +0.42 | 0.73% |
| Return on Equity (%) | ▲ | 14.28% | +4.86 | 9.42% |
| Net Interest Margin (%) | ▲ | 3.34% | +0.42 | 2.92% |
| Efficiency Ratio (%) | ▲ | 66.16% | -7.14 | 73.30% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.38 | $1 |
| Cost of Funds (%) | ▲ | 1.38% | -0.15 | 1.53% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $358 | +10.27 | $347 |
| Gross Loans ($M) | ▲ | $266 | +11.64 | $254 |
| Loan Growth YoY (%) | ▲ | 86.33% | +0.56 | 85.77% |
| Total Deposits ($M) | ▲ | $305 | +11.68 | $293 |
| Shareholders Equity ($M) | ▲ | $29 | +0.75 | $28 |
| Tang. Book Value ($M) | ▲ | $29 | +0.75 | $28 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +0.06 | $31 |
| Loan / Deposit Ratio (%) | ▲ | 86.33% | +0.56 | 85.77% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.22% | +0.02 | 0.21% |
| Allowance / Loans (%) | — | 0.90% | -0.08% | 0.98% |
| Net Charge-Off Ratio (%) | ▲ | 0.07% | -0.22 | 0.28% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.40% | -0.14 | 12.53% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▆▆▆██ | Net Interest Margin (%) | 2.21% | 2.32% | 2.89% | 2.92% | 2.98% | 3.03% | 3.25% | 3.34% |
| ▁▁▃▄▄▅██ | Return on Assets (%) | 0.43% | 0.45% | 0.68% | 0.73% | 0.78% | 0.84% | 1.09% | 1.15% |
| ██▄▄▄▃▁▁ | Efficiency Ratio (%) | 81.7% | 81.5% | 73.9% | 73.3% | 72.7% | 71.9% | 66.9% | 66.2% |
| █▆▃▃▂▁▁▁ | Cost of Funds (%) | 1.97% | 1.74% | 1.55% | 1.53% | 1.48% | 1.39% | 1.34% | 1.38% |
| ▆█▁▁▁▁▁▁ | NPA / Assets (%) | 0.69% | 0.91% | 0.20% | 0.21% | 0.20% | 0.19% | 0.23% | 0.22% |
| ▇█▂▂▂▂▂▁ | Net Charge-Off Ratio (%) | 0.99% | 1.30% | 0.28% | 0.28% | 0.27% | 0.28% | 0.34% | 0.07% |
| ▁▁▁▂▅██▅ | Tang. Book Value ($M) | $28 | $28 | $28 | $28 | $29 | $30 | $30 | $29 |
| ▅▅▂▁▁▂▁█ | Gross Loans ($M) | $260 | $260 | $255 | $254 | $253 | $255 | $253 | $266 |
| ▃▅▅▂▁▇█▅ | Total Deposits ($M) | $297 | $303 | $304 | $293 | $289 | $310 | $316 | $305 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 82% |
| C&I / Commercial | 17% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 80% |
| Brokered / Other | 4% |