Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.50% | -0.06 | 0.56% |
| Return on Equity (%) | ▼ | 5.45% | -1.26 | 6.71% |
| Net Interest Margin (%) | ▲ | 4.44% | +0.11 | 4.33% |
| Efficiency Ratio (%) | ▼ | 88.46% | +1.68 | 86.78% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.01 | $0 |
| Cost of Funds (%) | ▲ | 1.18% | -0.18 | 1.36% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $101 | +1.01 | $100 |
| Gross Loans ($M) | ▲ | $62 | +3.84 | $58 |
| Loan Growth YoY (%) | ▲ | 69.63% | +4.95 | 64.67% |
| Total Deposits ($M) | ▼ | $87 | -0.74 | $88 |
| Shareholders Equity ($M) | ▲ | $9 | +0.78 | $9 |
| Tang. Book Value ($M) | ▲ | $9 | +0.78 | $9 |
| Loan / Deposit Ratio (%) | ▲ | 69.63% | +4.95 | 64.67% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.60% | +0.30 | 0.30% |
| Allowance / Loans (%) | — | 1.63% | -0.08% | 1.72% |
| Net Charge-Off Ratio (%) | ▼ | 0.99% | +0.47 | 0.52% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 15.55% | -0.07 | 15.62% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▃▁▃██▃▆ | Net Interest Margin (%) | 4.27% | 4.32% | 4.25% | 4.33% | 4.49% | 4.52% | 4.35% | 4.44% |
| ▇█▂▄▆█▁▂ | Return on Assets (%) | 0.69% | 0.74% | 0.51% | 0.56% | 0.65% | 0.73% | 0.45% | 0.50% |
| ▂▁▇▅▄▂█▇ | Efficiency Ratio (%) | 83.5% | 82.5% | 87.8% | 86.8% | 85.1% | 83.5% | 89.4% | 88.5% |
| ██▃▃▃▁▁▁ | Cost of Funds (%) | 1.68% | 1.72% | 1.36% | 1.36% | 1.33% | 1.22% | 1.19% | 1.18% |
| ▁▄▁▄▄▃▃█ | NPA / Assets (%) | 0.09% | 0.26% | 0.05% | 0.30% | 0.31% | 0.25% | 0.24% | 0.60% |
| ▁▄▁▄▄▃▃█ | Net Charge-Off Ratio (%) | 0.17% | 0.43% | 0.08% | 0.52% | 0.49% | 0.42% | 0.42% | 0.99% |
| ▂▁▁▃▆█▇█ | Tang. Book Value ($M) | $8 | $8 | $8 | $9 | $9 | $9 | $9 | $9 |
| ▁▅▃▂▇█▆▇ | Gross Loans ($M) | $57 | $60 | $58 | $58 | $61 | $62 | $60 | $62 |
| █▃█▄▁▆▆▃ | Total Deposits ($M) | $92 | $87 | $93 | $88 | $83 | $91 | $90 | $87 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 77% |
| C&I / Commercial | 15% |
| Consumer | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 38% |
| Interest-Bearing (core) | 53% |
| Brokered / Other | 10% |