Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.19% | +0.29 | 0.90% |
| Return on Equity (%) | ▼ | 20.43% | -0.46 | 20.89% |
| Net Interest Margin (%) | ▲ | 3.29% | +0.52 | 2.77% |
| Efficiency Ratio (%) | ▲ | 63.12% | -4.31 | 67.43% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.25 | $1 |
| Cost of Funds (%) | ▲ | 1.72% | -0.23 | 1.95% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $317 | +21.40 | $295 |
| Gross Loans ($M) | ▲ | $199 | +25.84 | $173 |
| Loan Growth YoY (%) | ▲ | 72.05% | +4.04 | 68.01% |
| Total Deposits ($M) | ▲ | $273 | +21.53 | $251 |
| Shareholders Equity ($M) | ▲ | $18 | +5.45 | $13 |
| Tang. Book Value ($M) | ▲ | $18 | +5.45 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $23 | +5.11 | $18 |
| Loan / Deposit Ratio (%) | ▲ | 72.05% | +4.04 | 68.01% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.11% | +0.01 | 0.11% |
| Allowance / Loans (%) | — | 0.96% | -0.04% | 1.00% |
| Net Charge-Off Ratio (%) | ▲ | 0.18% | -0.00 | 0.18% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▅██ | Net Interest Margin (%) | 2.54% | 2.56% | 2.67% | 2.77% | 2.83% | 2.93% | 3.26% | 3.29% |
| ▁▁▂▄▄▄██ | Return on Assets (%) | 0.71% | 0.75% | 0.82% | 0.90% | 0.92% | 0.91% | 1.15% | 1.19% |
| █▇▆▄▄▃▁▁ | Efficiency Ratio (%) | 73.0% | 71.6% | 69.7% | 67.4% | 67.3% | 66.0% | 64.3% | 63.1% |
| ▆██▆▃▅▁▁ | Cost of Funds (%) | 1.97% | 2.03% | 2.07% | 1.95% | 1.82% | 1.91% | 1.69% | 1.72% |
| ▁▁▆▆▆▆█▆ | NPA / Assets (%) | 0.00% | 0.00% | 0.11% | 0.11% | 0.10% | 0.11% | 0.16% | 0.11% |
| ▁▁▆▆▆▆█▆ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.19% | 0.18% | 0.18% | 0.17% | 0.26% | 0.18% |
| ▅▁▂▂▆▇██ | Tang. Book Value ($M) | $15 | $12 | $13 | $13 | $17 | $17 | $18 | $18 |
| ▁▂▁▂▃▅▆█ | Gross Loans ($M) | $166 | $171 | $170 | $173 | $174 | $184 | $188 | $199 |
| ▁▄▄▃▅▂▆█ | Total Deposits ($M) | $242 | $254 | $256 | $251 | $259 | $249 | $265 | $273 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 93% |
| C&I / Commercial | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 14% |