Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.54% | +0.35 | 0.20% |
| Return on Equity (%) | ▲ | 7.88% | +4.51 | 3.37% |
| Net Interest Margin (%) | ▲ | 3.26% | +0.10 | 3.16% |
| Efficiency Ratio (%) | ▲ | 79.49% | -12.63 | 92.12% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.18 | $0 |
| Cost of Funds (%) | ▲ | 0.74% | -0.14 | 0.87% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $185 | -5.83 | $191 |
| Gross Loans ($M) | ▲ | $71 | +0.08 | $71 |
| Loan Growth YoY (%) | ▲ | 41.11% | +1.61 | 39.51% |
| Total Deposits ($M) | ▼ | $171 | -6.76 | $178 |
| Shareholders Equity ($M) | ▲ | $13 | +1.68 | $11 |
| Tang. Book Value ($M) | ▲ | $13 | +1.68 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +1.54 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 41.11% | +1.61 | 39.51% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.16% | -0.00% | 1.17% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 19.02% | +1.48 | 17.54% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▅▁▄▇▇▆█ | Net Interest Margin (%) | 3.17% | 3.19% | 3.07% | 3.16% | 3.22% | 3.24% | 3.21% | 3.26% |
| ▂▂▁▁▂▄█▇ | Return on Assets (%) | 0.25% | 0.28% | 0.18% | 0.20% | 0.26% | 0.37% | 0.60% | 0.54% |
| ▆▆██▇▅▁▁ | Efficiency Ratio (%) | 88.7% | 87.8% | 92.0% | 92.1% | 89.8% | 85.4% | 78.4% | 79.5% |
| ▄▇██▇▇▃▁ | Cost of Funds (%) | 0.81% | 0.85% | 0.87% | 0.87% | 0.85% | 0.84% | 0.78% | 0.74% |
| ▁▁▁▁▁██▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.09% | 0.09% | 0.00% |
| ▁▁▁▁▁██▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.23% | 0.23% | 0.00% |
| ▁▁▂▃▅▇▇█ | Tang. Book Value ($M) | $11 | $11 | $11 | $11 | $12 | $12 | $13 | $13 |
| ▆██▃▃▁▂▃ | Gross Loans ($M) | $74 | $75 | $76 | $71 | $71 | $69 | $71 | $71 |
| ▄▂█▆▇▂▁▂ | Total Deposits ($M) | $174 | $171 | $181 | $178 | $179 | $172 | $168 | $171 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 23% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 47% |
| Interest-Bearing (core) | 48% |
| Brokered / Other | 5% |