Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.12% | +0.07 | 1.04% |
| Return on Equity (%) | ▲ | 8.93% | +0.69 | 8.24% |
| Net Interest Margin (%) | ▲ | 4.69% | +0.18 | 4.51% |
| Efficiency Ratio (%) | ▲ | 68.41% | -0.13 | 68.55% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.27 | $1 |
| Cost of Funds (%) | ▲ | 1.45% | -0.14 | 1.58% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $307 | +15.84 | $291 |
| Gross Loans ($M) | ▲ | $250 | +14.22 | $236 |
| Loan Growth YoY (%) | ▼ | 99.24% | -0.21 | 99.46% |
| Total Deposits ($M) | ▲ | $249 | +14.58 | $235 |
| Shareholders Equity ($M) | ▲ | $41 | +3.81 | $37 |
| Tang. Book Value ($M) | ▲ | $41 | +3.81 | $37 |
| TBV excl. AOCI ($M)** | ▲ | $42 | +3.84 | $38 |
| Loan / Deposit Ratio (%) | ▼ | 99.24% | -0.21 | 99.46% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.21% | 0.03% | 1.18% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▇▇▄█ | Net Interest Margin (%) | 4.29% | 4.34% | 4.49% | 4.51% | 4.61% | 4.60% | 4.47% | 4.69% |
| ▁▂▆▆▆▆▂█ | Return on Assets (%) | 0.90% | 0.96% | 1.05% | 1.04% | 1.06% | 1.06% | 0.93% | 1.12% |
| █▅▁▁▁▁▆▁ | Efficiency Ratio (%) | 72.5% | 70.8% | 68.7% | 68.5% | 68.6% | 68.3% | 71.2% | 68.4% |
| ██▅▆▇█▅▁ | Cost of Funds (%) | 1.63% | 1.64% | 1.55% | 1.58% | 1.62% | 1.62% | 1.55% | 1.45% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▂▂▃▅▇▆█ | Tang. Book Value ($M) | $35 | $36 | $36 | $37 | $38 | $39 | $39 | $41 |
| ▁▂▄▅▆▅▇█ | Gross Loans ($M) | $221 | $226 | $235 | $236 | $240 | $238 | $245 | $250 |
| ▂▁▄▃▄██▆ | Total Deposits ($M) | $228 | $217 | $239 | $235 | $239 | $262 | $265 | $249 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 97% |
| C&I / Commercial | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 31% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 6% |