Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.31% | -0.11 | 2.42% |
| Return on Equity (%) | ▲ | 16.95% | +0.29 | 16.66% |
| Net Interest Margin (%) | ▲ | 4.91% | +0.05 | 4.87% |
| Efficiency Ratio (%) | ▼ | 47.29% | +0.19 | 47.10% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.06 | $1 |
| Cost of Funds (%) | ▼ | 1.35% | +0.23 | 1.12% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $207 | -2.82 | $210 |
| Gross Loans ($M) | ▲ | $175 | +18.38 | $157 |
| Loan Growth YoY (%) | ▲ | 101.72% | +15.53 | 86.19% |
| Total Deposits ($M) | ▼ | $170 | -9.44 | $179 |
| Shareholders Equity ($M) | ▲ | $32 | +1.52 | $30 |
| Tang. Book Value ($M) | ▲ | $32 | +1.52 | $30 |
| Loan / Deposit Ratio (%) | ▲ | 101.72% | +15.53 | 86.19% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.56% | +0.01 | 0.55% |
| Allowance / Loans (%) | — | 1.36% | -0.07% | 1.44% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.74 | 0.74% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▅▅▇▆▁▆ | Net Interest Margin (%) | 5.08% | 5.06% | 4.87% | 4.87% | 4.99% | 4.90% | 4.60% | 4.91% |
| ▄▃▅▆█▄▁▂ | Return on Assets (%) | 2.38% | 2.35% | 2.39% | 2.42% | 2.49% | 2.37% | 2.28% | 2.31% |
| ██▅▄▄▇▁▅ | Efficiency Ratio (%) | 49.6% | 50.3% | 47.7% | 47.1% | 46.9% | 48.8% | 44.0% | 47.3% |
| ▁▂▃▄▅▆▆█ | Cost of Funds (%) | 0.93% | 1.01% | 1.07% | 1.12% | 1.17% | 1.20% | 1.20% | 1.35% |
| ▁▁▁█████ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.55% | 0.55% | 0.50% | 0.51% | 0.56% |
| ▁▁▁█▁▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.74% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▆▁▃▆█▄▆█ | Tang. Book Value ($M) | $30 | $27 | $29 | $30 | $32 | $29 | $30 | $32 |
| ▁▁▄▄▆▆██ | Gross Loans ($M) | $138 | $142 | $154 | $157 | $167 | $165 | $177 | $175 |
| ▁▁▃▅▅█▇▄ | Total Deposits ($M) | $154 | $150 | $169 | $179 | $181 | $202 | $196 | $170 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 95% |
| C&I / Commercial | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 35% |
| Interest-Bearing (core) | 47% |
| Brokered / Other | 18% |