Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.82% | +0.01 | 0.80% |
| Return on Equity (%) | ▼ | 8.33% | -0.24 | 8.57% |
| Net Interest Margin (%) | ▲ | 4.12% | +0.19 | 3.93% |
| Efficiency Ratio (%) | ▲ | 72.67% | -0.13 | 72.80% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.15 | $1 |
| Cost of Funds (%) | ▲ | 1.99% | -0.15 | 2.14% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $226 | +5.24 | $221 |
| Gross Loans ($M) | ▲ | $165 | +7.81 | $157 |
| Loan Growth YoY (%) | ▲ | 80.34% | +2.34 | 78.00% |
| Total Deposits ($M) | ▲ | $203 | +3.92 | $199 |
| Shareholders Equity ($M) | ▲ | $22 | +1.30 | $21 |
| Tang. Book Value ($M) | ▲ | $22 | +1.30 | $21 |
| Loan / Deposit Ratio (%) | ▲ | 80.34% | +2.34 | 78.00% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.05% | -0.67 | 0.72% |
| Allowance / Loans (%) | — | 1.44% | -0.07% | 1.51% |
| Net Charge-Off Ratio (%) | ▲ | 0.07% | -0.94 | 1.01% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.54% | +0.29 | 14.26% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▆▇▅█ | Net Interest Margin (%) | 3.79% | 3.81% | 3.90% | 3.93% | 4.00% | 4.06% | 3.99% | 4.12% |
| ▃▁█▃▆▄▁▄ | Return on Assets (%) | 0.80% | 0.78% | 0.89% | 0.80% | 0.85% | 0.83% | 0.77% | 0.82% |
| ▄▅▁▇▄▆█▇ | Efficiency Ratio (%) | 70.8% | 71.5% | 69.0% | 72.8% | 71.2% | 72.1% | 73.6% | 72.7% |
| █▇▅▃▂▃▁▁ | Cost of Funds (%) | 2.42% | 2.35% | 2.26% | 2.14% | 2.10% | 2.12% | 1.99% | 1.99% |
| ▆▇▅█▂▃▁▁ | NPA / Assets (%) | 0.51% | 0.63% | 0.40% | 0.72% | 0.20% | 0.22% | 0.05% | 0.05% |
| ▆▇▄█▂▂▁▁ | Net Charge-Off Ratio (%) | 0.70% | 0.86% | 0.53% | 1.01% | 0.27% | 0.29% | 0.07% | 0.07% |
| ▁▂▃▄▆▇██ | Tang. Book Value ($M) | $20 | $20 | $21 | $21 | $21 | $22 | $22 | $22 |
| ▃▃▁▁▆██▇ | Gross Loans ($M) | $160 | $160 | $157 | $157 | $164 | $167 | $168 | $165 |
| ▂▄▁▅█▄▆█ | Total Deposits ($M) | $196 | $198 | $194 | $199 | $202 | $197 | $200 | $203 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 91% |
| C&I / Commercial | 6% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 18% |