Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.02% | +0.39 | 0.63% |
| Return on Equity (%) | ▲ | 11.41% | +4.18 | 7.23% |
| Net Interest Margin (%) | ▲ | 3.66% | +0.18 | 3.48% |
| Efficiency Ratio (%) | ▲ | 68.67% | -11.24 | 79.91% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.20 | $0 |
| Cost of Funds (%) | ▲ | 2.04% | -0.14 | 2.18% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $176 | +10.88 | $165 |
| Gross Loans ($M) | ▲ | $135 | +20.69 | $114 |
| Loan Growth YoY (%) | ▲ | 83.96% | +8.19 | 75.77% |
| Total Deposits ($M) | ▲ | $159 | +9.96 | $149 |
| Shareholders Equity ($M) | ▲ | $16 | +0.94 | $15 |
| Tang. Book Value ($M) | ▲ | $16 | +1.00 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +0.97 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 83.96% | +8.19 | 75.77% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.92% | -0.05% | 0.96% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -11.18 | 11.18% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▂▁▃▆█▇█ | Net Interest Margin (%) | 3.46% | 3.43% | 3.38% | 3.48% | 3.58% | 3.63% | 3.61% | 3.66% |
| ▂▂▁▂▄▄██ | Return on Assets (%) | 0.61% | 0.65% | 0.55% | 0.63% | 0.73% | 0.76% | 1.03% | 1.02% |
| █▇█▇▆▅▁▁ | Efficiency Ratio (%) | 80.4% | 78.9% | 81.9% | 79.9% | 77.0% | 76.5% | 69.2% | 68.7% |
| ▅█▅▅▅▄▁▁ | Cost of Funds (%) | 2.19% | 2.34% | 2.19% | 2.18% | 2.20% | 2.15% | 2.02% | 2.04% |
| █▁▁▁▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▂▄▆▇▇█ | Tang. Book Value ($M) | $14 | $14 | $14 | $15 | $15 | $15 | $15 | $16 |
| ▁▁▂▁▅▆▆█ | Gross Loans ($M) | $112 | $115 | $117 | $114 | $125 | $128 | $128 | $135 |
| ▁▄▅▁▂▄█▆ | Total Deposits ($M) | $148 | $154 | $156 | $149 | $152 | $155 | $164 | $159 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 11% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 15% |