Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.17% | +0.71 | 1.46% |
| Return on Equity (%) | ▲ | 23.77% | +6.27 | 17.50% |
| Net Interest Margin (%) | ▲ | 4.03% | +0.56 | 3.48% |
| Efficiency Ratio (%) | ▲ | 49.36% | -12.52 | 61.88% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.48 | $1 |
| Cost of Funds (%) | ▲ | 1.54% | -0.30 | 1.83% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $208 | +13.57 | $195 |
| Gross Loans ($M) | ▲ | $143 | +11.88 | $131 |
| Loan Growth YoY (%) | ▲ | 75.29% | +1.92 | 73.38% |
| Total Deposits ($M) | ▲ | $188 | +11.30 | $177 |
| Shareholders Equity ($M) | ▲ | $20 | +2.40 | $17 |
| Tang. Book Value ($M) | ▲ | $20 | +2.40 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $22 | +2.59 | $20 |
| Loan / Deposit Ratio (%) | ▲ | 75.29% | +1.92 | 73.38% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.06 | 0.06% |
| Allowance / Loans (%) | — | 0.93% | -0.09% | 1.02% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.08 | 0.08% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▃▄▆██ | Net Interest Margin (%) | 3.16% | 3.22% | 3.43% | 3.48% | 3.55% | 3.77% | 3.93% | 4.03% |
| ▁▁▃▂▂▅██ | Return on Assets (%) | 1.26% | 1.34% | 1.53% | 1.46% | 1.46% | 1.78% | 2.09% | 2.17% |
| ██▆▇█▅▁▁ | Efficiency Ratio (%) | 63.9% | 62.7% | 59.5% | 61.9% | 62.4% | 56.6% | 49.4% | 49.4% |
| █▆▄▅▅▃▁▁ | Cost of Funds (%) | 2.06% | 1.93% | 1.78% | 1.83% | 1.83% | 1.69% | 1.58% | 1.54% |
| ▁██▇▇▁▁▁ | NPA / Assets (%) | 0.00% | 0.07% | 0.06% | 0.06% | 0.05% | 0.00% | 0.00% | 0.00% |
| ▁██▇▇▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.10% | 0.09% | 0.08% | 0.08% | 0.00% | 0.00% | 0.00% |
| ▃▁▃▄▅▆▇█ | Tang. Book Value ($M) | $16 | $15 | $16 | $17 | $17 | $18 | $19 | $20 |
| ▂▁▂▃▆▇▇█ | Gross Loans ($M) | $129 | $125 | $128 | $131 | $137 | $140 | $140 | $143 |
| ▁▁▄▃▅▆▇█ | Total Deposits ($M) | $172 | $173 | $179 | $177 | $181 | $184 | $185 | $188 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 97% |
| C&I / Commercial | 2% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 79% |
| Brokered / Other | 4% |