Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.83% | -0.01 | 1.84% |
| Return on Equity (%) | ▼ | 11.27% | -0.20 | 11.47% |
| Net Interest Margin (%) | ▼ | 4.68% | -0.02 | 4.70% |
| Efficiency Ratio (%) | ▼ | 50.50% | +0.40 | 50.10% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.10 | $1 |
| Cost of Funds (%) | ▼ | 0.91% | +0.08 | 0.84% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $142 | +9.97 | $132 |
| Gross Loans ($M) | ▲ | $93 | +8.42 | $85 |
| Loan Growth YoY (%) | ▲ | 77.11% | +1.62 | 75.49% |
| Total Deposits ($M) | ▲ | $119 | +8.58 | $110 |
| Shareholders Equity ($M) | ▲ | $23 | +1.34 | $22 |
| Tang. Book Value ($M) | ▲ | $23 | +1.34 | $22 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +1.40 | $23 |
| Loan / Deposit Ratio (%) | ▲ | 77.11% | +1.62 | 75.49% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.12% | -0.03 | 0.14% |
| Allowance / Loans (%) | — | 1.72% | -0.15% | 1.88% |
| Net Charge-Off Ratio (%) | ▲ | 0.18% | -0.05 | 0.22% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▆▁▆██▂▆ | Net Interest Margin (%) | 4.67% | 4.70% | 4.50% | 4.70% | 4.77% | 4.78% | 4.55% | 4.68% |
| ▃▃▂▄██▁▄ | Return on Assets (%) | 1.77% | 1.81% | 1.70% | 1.84% | 2.22% | 2.16% | 1.59% | 1.83% |
| ▅▅▆▄▁▁█▅ | Efficiency Ratio (%) | 51.4% | 50.5% | 52.2% | 50.1% | 44.9% | 45.7% | 56.0% | 50.5% |
| ▁▂▁▅▆███ | Cost of Funds (%) | 0.74% | 0.77% | 0.74% | 0.84% | 0.87% | 0.93% | 0.90% | 0.91% |
| ▁▁██▅▅▆▇ | NPA / Assets (%) | 0.00% | 0.00% | 0.14% | 0.14% | 0.08% | 0.08% | 0.10% | 0.12% |
| ▁▁██▅▅▅▆ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.24% | 0.22% | 0.13% | 0.13% | 0.15% | 0.18% |
| ▁▁▂▃▆▇▇█ | Tang. Book Value ($M) | $21 | $21 | $21 | $22 | $22 | $23 | $23 | $23 |
| ▁▁▁▄▄▆▇█ | Gross Loans ($M) | $79 | $80 | $80 | $85 | $86 | $89 | $91 | $93 |
| ▁▂▂▁▃▄▇█ | Total Deposits ($M) | $109 | $111 | $112 | $110 | $112 | $114 | $117 | $119 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 91% |
| C&I / Commercial | 4% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 3% |