Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.55% | +0.12 | 0.43% |
| Return on Equity (%) | ▲ | 7.05% | +1.56 | 5.49% |
| Net Interest Margin (%) | ▲ | 3.75% | +0.14 | 3.60% |
| Efficiency Ratio (%) | ▲ | 84.45% | -4.02 | 88.47% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.22 | $0 |
| Cost of Funds (%) | ▼ | 1.53% | +0.14 | 1.39% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $261 | +19.93 | $241 |
| Gross Loans ($M) | ▲ | $146 | +20.61 | $125 |
| Loan Growth YoY (%) | ▲ | 62.16% | +6.15 | 56.01% |
| Total Deposits ($M) | ▲ | $233 | +11.29 | $221 |
| Shareholders Equity ($M) | ▲ | $21 | +1.47 | $19 |
| Tang. Book Value ($M) | ▲ | $19 | +1.47 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +2.11 | $22 |
| Loan / Deposit Ratio (%) | ▲ | 62.16% | +6.15 | 56.01% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.79% | +0.73 | 0.07% |
| Allowance / Loans (%) | — | 0.77% | -0.14% | 0.91% |
| Net Charge-Off Ratio (%) | ▼ | 0.39% | +0.27 | 0.13% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.25% | -1.36 | 13.61% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆█▂▁▂▁▂▄ | Net Interest Margin (%) | 3.82% | 3.93% | 3.65% | 3.60% | 3.65% | 3.64% | 3.68% | 3.75% |
| █▇▂▁▁▁▃▄ | Return on Assets (%) | 0.76% | 0.71% | 0.49% | 0.43% | 0.43% | 0.42% | 0.51% | 0.55% |
| ▁▂▆███▆▄ | Efficiency Ratio (%) | 79.9% | 81.7% | 86.6% | 88.5% | 88.7% | 89.4% | 85.9% | 84.4% |
| ▅▁▂▄▅▃▆█ | Cost of Funds (%) | 1.41% | 1.28% | 1.32% | 1.39% | 1.41% | 1.34% | 1.44% | 1.53% |
| ▁▂▂▁▁▆▆█ | NPA / Assets (%) | 0.15% | 0.21% | 0.22% | 0.07% | 0.06% | 0.58% | 0.53% | 0.79% |
| ▂▂▃▁▁██▃ | Net Charge-Off Ratio (%) | 0.31% | 0.37% | 0.41% | 0.13% | 0.12% | 1.12% | 1.07% | 0.39% |
| ▅▂▁▄▆█▇█ | Tang. Book Value ($M) | $18 | $18 | $17 | $18 | $19 | $19 | $19 | $19 |
| ▃▃▄▁▁▂▄█ | Gross Loans ($M) | $129 | $129 | $132 | $125 | $123 | $126 | $134 | $146 |
| ▇▁▄▄▄▅█▆ | Total Deposits ($M) | $243 | $200 | $224 | $221 | $220 | $227 | $249 | $233 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 8% |
| Consumer | 9% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 47% |
| Brokered / Other | 23% |