Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.05% | +1.01 | 0.04% |
| Return on Equity (%) | ▲ | 11.32% | +10.94 | 0.38% |
| Net Interest Margin (%) | ▼ | 3.70% | -0.01 | 3.71% |
| Efficiency Ratio (%) | ▲ | 64.88% | -2.07 | 66.95% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.11 | $1 |
| Cost of Funds (%) | ▲ | 1.90% | -0.24 | 2.15% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $212 | +10.98 | $201 |
| Gross Loans ($M) | ▼ | $164 | -11.26 | $175 |
| Loan Growth YoY (%) | ▼ | 84.94% | -15.91 | 100.86% |
| Total Deposits ($M) | ▲ | $191 | +19.95 | $171 |
| Shareholders Equity ($M) | ▲ | $20 | +1.60 | $18 |
| Tang. Book Value ($M) | ▲ | $20 | +1.60 | $18 |
| Loan / Deposit Ratio (%) | ▼ | 84.94% | -15.91 | 100.86% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.11% | -1.02 | 1.12% |
| Allowance / Loans (%) | — | 1.25% | -0.49% | 1.74% |
| Net Charge-Off Ratio (%) | ▲ | 0.14% | -1.15 | 1.29% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▂▃▃▃▁▂ | Net Interest Margin (%) | 3.90% | 3.90% | 3.70% | 3.71% | 3.72% | 3.73% | 3.64% | 3.70% |
| ██▃▁▂▂██ | Return on Assets (%) | 1.11% | 1.11% | 0.35% | 0.04% | 0.28% | 0.26% | 1.05% | 1.05% |
| █▆▃▄▂▁▁▁ | Efficiency Ratio (%) | 69.9% | 68.4% | 66.6% | 67.0% | 65.6% | 64.8% | 64.9% | 64.9% |
| ▂▅▅▅█▄▅▁ | Cost of Funds (%) | 1.99% | 2.16% | 2.15% | 2.15% | 2.36% | 2.10% | 2.14% | 1.90% |
| ▁▁███▂▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 1.15% | 1.12% | 1.08% | 0.27% | 0.04% | 0.11% |
| ▁▁███▃▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 1.31% | 1.29% | 1.30% | 0.33% | 0.05% | 0.14% |
| ▁▃▃▃▄▅▇█ | Tang. Book Value ($M) | $18 | $18 | $19 | $18 | $19 | $19 | $20 | $20 |
| ▁▃▄███▇▅ | Gross Loans ($M) | $148 | $159 | $160 | $175 | $174 | $177 | $173 | $164 |
| ▂▂▁▃▅█▆▇ | Total Deposits ($M) | $163 | $165 | $158 | $171 | $179 | $196 | $185 | $191 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 14% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 16% |