Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.84% | +0.68 | 1.15% |
| Return on Equity (%) | ▲ | 18.36% | +5.74 | 12.62% |
| Net Interest Margin (%) | ▲ | 3.85% | +0.82 | 3.02% |
| Efficiency Ratio (%) | ▲ | 51.70% | -12.05 | 63.75% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.45 | $1 |
| Cost of Funds (%) | ▲ | 1.10% | -0.19 | 1.29% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $201 | +21.85 | $179 |
| Gross Loans ($M) | ▲ | $129 | +20.37 | $108 |
| Loan Growth YoY (%) | ▲ | 74.22% | +1.08 | 73.14% |
| Total Deposits ($M) | ▲ | $171 | +25.01 | $146 |
| Shareholders Equity ($M) | ▲ | $20 | +2.73 | $17 |
| Tang. Book Value ($M) | ▲ | $20 | +2.73 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $23 | +2.53 | $20 |
| Loan / Deposit Ratio (%) | ▲ | 74.22% | +1.08 | 73.14% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.14 | 0.14% |
| Allowance / Loans (%) | — | 1.20% | -0.03% | 1.22% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.23 | 0.23% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆██ | Net Interest Margin (%) | 2.15% | 2.25% | 2.93% | 3.02% | 3.11% | 3.28% | 3.67% | 3.85% |
| ▁▁▃▄▅▆██ | Return on Assets (%) | 0.55% | 0.62% | 0.98% | 1.15% | 1.26% | 1.41% | 1.71% | 1.84% |
| ██▆▄▄▃▁▁ | Efficiency Ratio (%) | 76.8% | 75.0% | 67.9% | 63.7% | 61.8% | 59.0% | 54.7% | 51.7% |
| ██▂▃▃▂▁▁ | Cost of Funds (%) | 1.74% | 1.83% | 1.24% | 1.29% | 1.26% | 1.16% | 1.05% | 1.10% |
| ▁▁▁█▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.14% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▁█▁▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.23% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▃▄▆▇██ | Tang. Book Value ($M) | $16 | $15 | $17 | $17 | $19 | $19 | $20 | $20 |
| ▁▁▂▃▅▇▇█ | Gross Loans ($M) | $98 | $100 | $102 | $108 | $115 | $123 | $121 | $129 |
| ▁▁▃▁▂▄▆█ | Total Deposits ($M) | $144 | $147 | $153 | $146 | $148 | $156 | $163 | $171 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 88% |
| C&I / Commercial | 8% |
| Consumer | 3% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 36% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 3% |