Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.12% | +0.06 | 1.06% |
| Return on Equity (%) | ▲ | 13.73% | +1.07 | 12.66% |
| Net Interest Margin (%) | ▲ | 4.29% | +0.15 | 4.14% |
| Efficiency Ratio (%) | ▲ | 58.89% | -3.42 | 62.31% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.25 | $1 |
| Cost of Funds (%) | ▲ | 1.53% | -0.24 | 1.77% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $218 | +39.90 | $178 |
| Gross Loans ($M) | ▲ | $151 | +15.53 | $135 |
| Loan Growth YoY (%) | ▼ | 76.09% | -6.62 | 82.70% |
| Total Deposits ($M) | ▲ | $196 | +34.47 | $161 |
| Shareholders Equity ($M) | ▲ | $17 | +1.93 | $15 |
| Tang. Book Value ($M) | ▲ | $17 | +1.96 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +1.96 | $16 |
| Loan / Deposit Ratio (%) | ▼ | 76.09% | -6.62 | 82.70% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.69% | +0.15 | 0.54% |
| Allowance / Loans (%) | — | 1.16% | -0.15% | 1.30% |
| Net Charge-Off Ratio (%) | ▼ | 1.00% | +0.29 | 0.71% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.98% | -0.40 | 13.38% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▅██▇█ | Net Interest Margin (%) | 3.91% | 3.95% | 3.95% | 4.14% | 4.25% | 4.29% | 4.21% | 4.29% |
| ▁▅▃▆██▅█ | Return on Assets (%) | 0.87% | 1.00% | 0.96% | 1.06% | 1.09% | 1.10% | 1.02% | 1.12% |
| █▆█▄▃▃▅▁ | Efficiency Ratio (%) | 66.5% | 64.4% | 65.8% | 62.3% | 61.4% | 61.3% | 62.9% | 58.9% |
| █▇▇▆▅▅▃▁ | Cost of Funds (%) | 1.87% | 1.82% | 1.81% | 1.77% | 1.71% | 1.72% | 1.62% | 1.53% |
| ▃▁▁▃██▅▆ | NPA / Assets (%) | 0.50% | 0.43% | 0.37% | 0.54% | 0.87% | 0.84% | 0.66% | 0.69% |
| ▃▂▁▃██▆▇ | Net Charge-Off Ratio (%) | 0.67% | 0.60% | 0.50% | 0.71% | 1.14% | 1.12% | 0.96% | 1.00% |
| ▁▁▂▄▅▇▇█ | Tang. Book Value ($M) | $14 | $14 | $14 | $15 | $16 | $17 | $16 | $17 |
| ▁▁▁▃▅▅▆█ | Gross Loans ($M) | $126 | $126 | $129 | $135 | $140 | $141 | $143 | $151 |
| ▁▂▁▂▃▃▇█ | Total Deposits ($M) | $153 | $159 | $156 | $161 | $165 | $166 | $187 | $196 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 89% |
| C&I / Commercial | 11% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 36% |
| Interest-Bearing (core) | 47% |
| Brokered / Other | 17% |