Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.98% | +0.36 | 2.62% |
| Return on Equity (%) | ▲ | 22.24% | +1.37 | 20.87% |
| Net Interest Margin (%) | ▲ | 5.13% | +0.52 | 4.61% |
| Efficiency Ratio (%) | ▲ | 39.16% | -2.72 | 41.88% |
| Pre-Provision Profit ($M) | ▲ | $4 | +0.91 | $4 |
| Cost of Funds (%) | ▲ | 2.22% | -0.16 | 2.38% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $513 | +5.77 | $507 |
| Gross Loans ($M) | ▲ | $432 | +21.91 | $410 |
| Loan Growth YoY (%) | ▲ | 101.59% | +4.34 | 97.25% |
| Total Deposits ($M) | ▲ | $421 | +3.31 | $418 |
| Shareholders Equity ($M) | ▲ | $70 | +5.52 | $64 |
| Tang. Book Value ($M) | ▲ | $55 | +5.63 | $49 |
| Loan / Deposit Ratio (%) | ▲ | 101.59% | +4.34 | 97.25% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.92% | 0.05% | 0.87% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▁▁▂▃▄▄█ | Net Interest Margin (%) | 4.56% | 4.55% | 4.47% | 4.61% | 4.65% | 4.73% | 4.76% | 5.13% |
| ▁▁▄▅▅▄▅█ | Return on Assets (%) | 2.24% | 2.14% | 2.55% | 2.62% | 2.60% | 2.56% | 2.66% | 2.98% |
| ▆█▄▃▂▃▂▁ | Efficiency Ratio (%) | 46.3% | 48.7% | 43.3% | 41.9% | 41.5% | 42.2% | 41.5% | 39.2% |
| ▄█▇▆▇▅▁▁ | Cost of Funds (%) | 2.31% | 2.48% | 2.43% | 2.38% | 2.43% | 2.36% | 2.19% | 2.22% |
| ██▁▁▁▁▁▁ | NPA / Assets (%) | 0.52% | 0.49% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| █▁▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.63% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▄▆▆▅█ | Tang. Book Value ($M) | $46 | $46 | $46 | $49 | $52 | $52 | $51 | $55 |
| ▁▁▂▅▂▃▆█ | Gross Loans ($M) | $392 | $387 | $393 | $410 | $394 | $400 | $418 | $432 |
| ▁▄▆█▇▅▇█ | Total Deposits ($M) | $388 | $401 | $410 | $418 | $416 | $407 | $417 | $421 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 19% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 18% |