Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.16% | +0.13 | 2.04% |
| Return on Equity (%) | ▼ | 24.39% | -2.31 | 26.70% |
| Net Interest Margin (%) | ▲ | 4.44% | +0.24 | 4.20% |
| Efficiency Ratio (%) | ▲ | 49.71% | -2.38 | 52.09% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.01 | $1 |
| Cost of Funds (%) | ▲ | 1.00% | -0.08 | 1.08% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $128 | +9.42 | $118 |
| Gross Loans ($M) | ▲ | $69 | +6.00 | $63 |
| Loan Growth YoY (%) | ▲ | 58.45% | +1.34 | 57.11% |
| Total Deposits ($M) | ▲ | $116 | +7.34 | $108 |
| Shareholders Equity ($M) | ▲ | $12 | +2.08 | $10 |
| Tang. Book Value ($M) | ▲ | $12 | +2.08 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $14 | +1.92 | $12 |
| Loan / Deposit Ratio (%) | ▲ | 58.45% | +1.34 | 57.11% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.32 | 0.32% |
| Allowance / Loans (%) | — | 1.75% | 0.24% | 1.51% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.61 | 0.61% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▆▇███ | Net Interest Margin (%) | 3.71% | 3.80% | 4.16% | 4.20% | 4.30% | 4.35% | 4.44% | 4.44% |
| ▁▁▃▆█▅██ | Return on Assets (%) | 1.54% | 1.52% | 1.76% | 2.04% | 2.19% | 1.96% | 2.23% | 2.16% |
| ▆█▆▃▂▄▁▂ | Efficiency Ratio (%) | 56.6% | 59.8% | 55.8% | 52.1% | 49.9% | 52.7% | 48.2% | 49.7% |
| ▁▁▄▇██▆▄ | Cost of Funds (%) | 0.88% | 0.91% | 1.00% | 1.08% | 1.11% | 1.14% | 1.05% | 1.00% |
| ████▁▁▁▁ | NPA / Assets (%) | 0.34% | 0.34% | 0.32% | 0.32% | 0.00% | 0.00% | 0.00% | 0.00% |
| ██▇▇▁▁▁▁ | Net Charge-Off Ratio (%) | 0.73% | 0.65% | 0.61% | 0.61% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▂▁▂▄▇▆▇█ | Tang. Book Value ($M) | $9 | $8 | $9 | $10 | $11 | $11 | $11 | $12 |
| ▁▃▅▅████ | Gross Loans ($M) | $52 | $58 | $62 | $63 | $68 | $69 | $70 | $69 |
| ▁▁▅▅▆▇▇█ | Total Deposits ($M) | $100 | $102 | $109 | $108 | $111 | $114 | $114 | $116 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 18% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 12% |