Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.48% | -0.06 | 2.54% |
| Return on Equity (%) | ▼ | 24.42% | -2.46 | 26.88% |
| Net Interest Margin (%) | ▼ | 5.61% | -0.03 | 5.64% |
| Efficiency Ratio (%) | ▼ | 55.58% | +1.35 | 54.23% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.05 | $1 |
| Cost of Funds (%) | ▼ | 0.91% | +0.06 | 0.85% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $168 | +9.65 | $158 |
| Gross Loans ($M) | ▲ | $117 | +8.83 | $108 |
| Loan Growth YoY (%) | ▲ | 77.58% | +0.59 | 76.98% |
| Total Deposits ($M) | ▲ | $149 | +10.27 | $139 |
| Shareholders Equity ($M) | ▲ | $17 | +1.44 | $16 |
| Tang. Book Value ($M) | ▲ | $17 | +1.44 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +1.22 | $17 |
| Loan / Deposit Ratio (%) | ▲ | 77.58% | +0.59 | 76.98% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.22% | +0.32 | 0.90% |
| Allowance / Loans (%) | — | 1.48% | -0.09% | 1.56% |
| Net Charge-Off Ratio (%) | ▼ | 1.72% | +0.42 | 1.31% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆███▅█ | Net Interest Margin (%) | 5.17% | 5.25% | 5.49% | 5.64% | 5.62% | 5.64% | 5.46% | 5.61% |
| ▁▁▇██▇██ | Return on Assets (%) | 1.89% | 1.97% | 2.40% | 2.54% | 2.48% | 2.39% | 2.53% | 2.48% |
| █▅▃▁▂▄▁▂ | Efficiency Ratio (%) | 60.2% | 57.8% | 55.8% | 54.2% | 55.0% | 56.7% | 54.6% | 55.6% |
| █▇▂▁▄▅▃▂ | Cost of Funds (%) | 1.13% | 1.08% | 0.91% | 0.85% | 0.99% | 1.02% | 0.94% | 0.91% |
| ▁▄▁▅▃▅██ | NPA / Assets (%) | 0.40% | 0.72% | 0.50% | 0.90% | 0.66% | 0.82% | 1.15% | 1.22% |
| ▁▄▂▆▃▄██ | Net Charge-Off Ratio (%) | 0.59% | 1.05% | 0.75% | 1.31% | 0.97% | 1.14% | 1.66% | 1.72% |
| ▄▁▄▅█▆▇█ | Tang. Book Value ($M) | $15 | $14 | $15 | $16 | $17 | $16 | $17 | $17 |
| ▁▁▁▃▃▅▅█ | Gross Loans ($M) | $106 | $106 | $106 | $108 | $110 | $111 | $112 | $117 |
| ▂▃▅▂▁▁▆█ | Total Deposits ($M) | $140 | $140 | $143 | $139 | $137 | $138 | $145 | $149 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 23% |
| Consumer | 6% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 42% |
| Interest-Bearing (core) | 50% |
| Brokered / Other | 8% |