Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 3.10% | +0.23 | 2.87% |
| Return on Equity (%) | ▲ | 26.62% | +0.46 | 26.16% |
| Net Interest Margin (%) | ▲ | 5.46% | +0.15 | 5.31% |
| Efficiency Ratio (%) | ▲ | 39.91% | -2.77 | 42.68% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.15 | $2 |
| Cost of Funds (%) | ▲ | 1.69% | -0.22 | 1.91% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $232 | +6.72 | $225 |
| Gross Loans ($M) | ▲ | $200 | +16.56 | $184 |
| Loan Growth YoY (%) | ▲ | 104.17% | +7.39 | 96.79% |
| Total Deposits ($M) | ▲ | $190 | +2.57 | $188 |
| Shareholders Equity ($M) | ▲ | $28 | +2.14 | $26 |
| Tang. Book Value ($M) | ▲ | $28 | +2.14 | $26 |
| Loan / Deposit Ratio (%) | ▲ | 104.17% | +7.39 | 96.79% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.73% | +0.23 | 0.50% |
| Allowance / Loans (%) | — | 1.00% | -0.09% | 1.09% |
| Net Charge-Off Ratio (%) | ▼ | 0.85% | +0.23 | 0.61% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 16.49% | +0.36 | 16.13% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▇█▆▇ | Net Interest Margin (%) | 5.02% | 5.05% | 5.27% | 5.31% | 5.44% | 5.53% | 5.41% | 5.46% |
| ▁▁▅▆▅▄██ | Return on Assets (%) | 2.38% | 2.37% | 2.83% | 2.87% | 2.77% | 2.68% | 3.13% | 3.10% |
| ██▃▃▆▇▁▂ | Efficiency Ratio (%) | 49.7% | 50.1% | 42.7% | 42.7% | 46.0% | 48.4% | 38.3% | 39.9% |
| █▇▇▇▃▁▁▁ | Cost of Funds (%) | 1.97% | 1.92% | 1.91% | 1.91% | 1.78% | 1.68% | 1.69% | 1.69% |
| ▂█▁▃▅▂▇█ | NPA / Assets (%) | 0.47% | 0.76% | 0.37% | 0.50% | 0.59% | 0.46% | 0.67% | 0.73% |
| ▂█▁▃▄▁▆▇ | Net Charge-Off Ratio (%) | 0.55% | 0.94% | 0.47% | 0.61% | 0.70% | 0.53% | 0.80% | 0.85% |
| ▁▁▂▄▅▅▇█ | Tang. Book Value ($M) | $24 | $24 | $25 | $26 | $26 | $26 | $27 | $28 |
| ▁▁▂▃▅▇▆█ | Gross Loans ($M) | $176 | $178 | $181 | $184 | $191 | $196 | $194 | $200 |
| ▁▄█▇█▆██ | Total Deposits ($M) | $174 | $182 | $189 | $188 | $190 | $185 | $189 | $190 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 96% |
| C&I / Commercial | 3% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 57% |
| Brokered / Other | 16% |