Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.12% | +0.40 | 1.71% |
| Return on Equity (%) | ▲ | 15.67% | +0.93 | 14.74% |
| Net Interest Margin (%) | ▲ | 4.58% | +0.49 | 4.09% |
| Efficiency Ratio (%) | ▲ | 55.53% | -4.31 | 59.84% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.11 | $1 |
| Cost of Funds (%) | ▲ | 1.58% | -0.19 | 1.77% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $134 | +0.79 | $133 |
| Gross Loans ($M) | ▼ | $96 | -2.33 | $99 |
| Loan Growth YoY (%) | ▼ | 84.74% | -2.16 | 86.91% |
| Total Deposits ($M) | ▲ | $112 | +0.07 | $112 |
| Shareholders Equity ($M) | ▲ | $19 | +2.86 | $16 |
| Tang. Book Value ($M) | ▲ | $19 | +2.86 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +2.83 | $17 |
| Loan / Deposit Ratio (%) | ▼ | 84.74% | -2.16 | 86.91% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.07% | +0.03 | 0.05% |
| Allowance / Loans (%) | — | 1.14% | 0.06% | 1.07% |
| Net Charge-Off Ratio (%) | ▼ | 0.10% | +0.04 | 0.06% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▃▅▅▆██ | Net Interest Margin (%) | 3.60% | 3.72% | 3.96% | 4.09% | 4.18% | 4.22% | 4.47% | 4.58% |
| ▁▁▃▅▅▆██ | Return on Assets (%) | 1.25% | 1.28% | 1.57% | 1.71% | 1.77% | 1.83% | 2.06% | 2.12% |
| █▆▄▃▂▂▁▁ | Efficiency Ratio (%) | 68.3% | 64.4% | 61.9% | 59.8% | 58.6% | 58.0% | 55.9% | 55.5% |
| ██▇█▆▅▁▃ | Cost of Funds (%) | 1.78% | 1.81% | 1.73% | 1.77% | 1.70% | 1.66% | 1.47% | 1.58% |
| ▃▂▂▂▁▁█▆ | NPA / Assets (%) | 0.06% | 0.05% | 0.05% | 0.05% | 0.04% | 0.04% | 0.09% | 0.07% |
| ▃▂▂▁▁▁█▆ | Net Charge-Off Ratio (%) | 0.08% | 0.07% | 0.07% | 0.06% | 0.06% | 0.06% | 0.13% | 0.10% |
| ▃▁▁▂▅▆▇█ | Tang. Book Value ($M) | $16 | $16 | $16 | $16 | $17 | $18 | $18 | $19 |
| ▁▆▅▆█▅▆▄ | Gross Loans ($M) | $92 | $98 | $97 | $99 | $101 | $98 | $98 | $96 |
| ▁█▅▁▆▇▁▁ | Total Deposits ($M) | $113 | $117 | $115 | $112 | $116 | $116 | $113 | $112 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 88% |
| C&I / Commercial | 9% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 21% |