Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.35% | +0.64 | 0.71% |
| Return on Equity (%) | ▲ | 17.29% | +5.85 | 11.44% |
| Net Interest Margin (%) | ▲ | 4.22% | +1.00 | 3.22% |
| Efficiency Ratio (%) | ▲ | 65.94% | -11.84 | 77.79% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.51 | $1 |
| Cost of Funds (%) | ▲ | 1.36% | -0.26 | 1.62% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $345 | +20.14 | $325 |
| Gross Loans ($M) | ▲ | $238 | +28.08 | $210 |
| Loan Growth YoY (%) | ▲ | 75.51% | +4.35 | 71.16% |
| Total Deposits ($M) | ▲ | $312 | +19.69 | $292 |
| Shareholders Equity ($M) | ▲ | $27 | +5.64 | $21 |
| Tang. Book Value ($M) | ▲ | $26 | +5.83 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $29 | +5.20 | $24 |
| Loan / Deposit Ratio (%) | ▲ | 75.51% | +4.35 | 71.16% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.11% | +0.00 | 0.11% |
| Allowance / Loans (%) | — | 1.04% | 0.10% | 0.94% |
| Net Charge-Off Ratio (%) | ▲ | 0.16% | -0.01 | 0.16% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 13.17% | -0.72 | 13.89% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▂▃▄▇█ | Net Interest Margin (%) | 2.92% | 2.93% | 2.98% | 3.22% | 3.36% | 3.47% | 3.95% | 4.22% |
| ▂▃▁▃▄▄██ | Return on Assets (%) | 0.69% | 0.70% | 0.48% | 0.71% | 0.82% | 0.90% | 1.30% | 1.35% |
| ▆▆█▆▅▁▂▂ | Efficiency Ratio (%) | 79.2% | 78.6% | 85.3% | 77.8% | 75.1% | 62.3% | 67.6% | 65.9% |
| ▇▇█▆▄▄▃▁ | Cost of Funds (%) | 1.70% | 1.69% | 1.78% | 1.62% | 1.53% | 1.53% | 1.46% | 1.36% |
| ███▁▁▁▁▁ | NPA / Assets (%) | 0.81% | 0.84% | 0.90% | 0.11% | 0.14% | 0.15% | 0.17% | 0.11% |
| ███▁▁▁▁▁ | Net Charge-Off Ratio (%) | 1.32% | 1.34% | 1.48% | 0.16% | 0.22% | 0.22% | 0.25% | 0.16% |
| ▁▁▂▂▄▇██ | Tang. Book Value ($M) | $19 | $18 | $19 | $20 | $22 | $24 | $25 | $26 |
| ▁▂▂▃▄▅▇█ | Gross Loans ($M) | $194 | $201 | $203 | $210 | $213 | $220 | $231 | $238 |
| ▁▁▅▃▄▁▆█ | Total Deposits ($M) | $284 | $286 | $301 | $292 | $296 | $287 | $304 | $312 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 9% |
| Consumer | 2% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 5% |