Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.11% | +0.21 | 0.89% |
| Return on Equity (%) | ▲ | 9.75% | +1.86 | 7.89% |
| Net Interest Margin (%) | ▲ | 4.05% | +0.08 | 3.96% |
| Efficiency Ratio (%) | ▲ | 62.18% | -4.84 | 67.02% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.09 | $1 |
| Cost of Funds (%) | ▼ | 1.99% | +0.04 | 1.95% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $206 | +24.87 | $181 |
| Gross Loans ($M) | ▲ | $155 | +25.60 | $130 |
| Loan Growth YoY (%) | ▲ | 85.22% | +2.93 | 82.29% |
| Total Deposits ($M) | ▲ | $180 | +24.42 | $156 |
| Shareholders Equity ($M) | ▲ | $23 | +2.45 | $21 |
| Tang. Book Value ($M) | ▲ | $23 | +2.45 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $25 | +2.89 | $22 |
| Loan / Deposit Ratio (%) | ▲ | 85.22% | +2.93 | 82.29% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.04% | +0.04 | 0.00% |
| Allowance / Loans (%) | — | 1.16% | -0.06% | 1.22% |
| Net Charge-Off Ratio (%) | ▼ | 0.05% | +0.05 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -15.05 | 15.05% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▁▇▇█▇█ | Net Interest Margin (%) | 3.67% | 3.73% | 3.71% | 3.96% | 3.98% | 4.01% | 3.97% | 4.05% |
| ██▁▅▆▇▆█ | Return on Assets (%) | 1.11% | 1.07% | 0.60% | 0.89% | 0.95% | 1.04% | 0.98% | 1.11% |
| ▁▁█▄▃▂▃▁ | Efficiency Ratio (%) | 60.8% | 62.3% | 76.8% | 67.0% | 65.5% | 63.7% | 66.1% | 62.2% |
| █▆▁▂▄▄▁▃ | Cost of Funds (%) | 2.19% | 2.10% | 1.92% | 1.95% | 2.04% | 2.04% | 1.89% | 1.99% |
| ▁▁▁▁████ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.04% | 0.04% | 0.04% |
| ▁▁▁▁███▇ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.06% | 0.06% | 0.05% | 0.05% |
| ▁▁▂▃▅▇▇█ | Tang. Book Value ($M) | $20 | $20 | $20 | $21 | $22 | $22 | $23 | $23 |
| ▁▁▂▃▄▄▇█ | Gross Loans ($M) | $117 | $119 | $124 | $130 | $133 | $134 | $146 | $155 |
| ▁▁▃▃▄▅██ | Total Deposits ($M) | $147 | $147 | $155 | $156 | $161 | $165 | $179 | $180 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 94% |
| C&I / Commercial | 4% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 13% |