Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.71% | +0.18 | 0.54% |
| Return on Equity (%) | ▲ | 5.85% | +1.34 | 4.51% |
| Net Interest Margin (%) | ▲ | 4.31% | +0.24 | 4.07% |
| Efficiency Ratio (%) | ▲ | 80.92% | -3.28 | 84.20% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.14 | $0 |
| Cost of Funds (%) | ▼ | 1.70% | +0.12 | 1.59% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $238 | -0.19 | $238 |
| Gross Loans ($M) | ▲ | $187 | +5.21 | $182 |
| Loan Growth YoY (%) | ▲ | 89.47% | +3.27 | 86.20% |
| Total Deposits ($M) | ▼ | $207 | -1.84 | $208 |
| Shareholders Equity ($M) | ▲ | $30 | +1.91 | $28 |
| Tang. Book Value ($M) | ▲ | $30 | +1.91 | $28 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +1.74 | $30 |
| Loan / Deposit Ratio (%) | ▲ | 89.47% | +3.27 | 86.20% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.01% | -0.05 | 0.06% |
| Allowance / Loans (%) | — | 1.16% | -0.00% | 1.17% |
| Net Charge-Off Ratio (%) | ▲ | 0.01% | -0.07 | 0.08% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -16.05 | 16.05% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▅▅█ | Net Interest Margin (%) | 3.97% | 4.00% | 4.02% | 4.07% | 4.10% | 4.15% | 4.14% | 4.31% |
| ▁▂▂▄▅▆▇█ | Return on Assets (%) | 0.36% | 0.42% | 0.41% | 0.54% | 0.56% | 0.62% | 0.64% | 0.71% |
| █▇▅▃▂▁▃▁ | Efficiency Ratio (%) | 90.4% | 89.0% | 86.1% | 84.2% | 83.0% | 81.3% | 83.6% | 80.9% |
| █▆▁▄▆▅▅█ | Cost of Funds (%) | 1.73% | 1.67% | 1.49% | 1.59% | 1.65% | 1.61% | 1.63% | 1.70% |
| █▂▃▇▁▁▁▁ | NPA / Assets (%) | 0.08% | 0.02% | 0.03% | 0.06% | 0.01% | 0.01% | 0.01% | 0.01% |
| █▂▃▇▁▁▁▁ | Net Charge-Off Ratio (%) | 0.10% | 0.02% | 0.03% | 0.08% | 0.02% | 0.01% | 0.01% | 0.01% |
| ▂▁▂▃▆▆▇█ | Tang. Book Value ($M) | $28 | $27 | $28 | $28 | $29 | $29 | $30 | $30 |
| ▁▁▂▃▅█▇▅ | Gross Loans ($M) | $175 | $177 | $177 | $182 | $187 | $195 | $191 | $187 |
| ▁▃▂▅▆█▇▄ | Total Deposits ($M) | $198 | $205 | $201 | $208 | $210 | $217 | $214 | $207 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 74% |
| C&I / Commercial | 24% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 6% |