Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.84% | +0.19 | 0.66% |
| Return on Equity (%) | ▲ | 8.24% | +1.11 | 7.13% |
| Net Interest Margin (%) | ▲ | 4.38% | +0.40 | 3.98% |
| Efficiency Ratio (%) | ▲ | 77.59% | -3.94 | 81.53% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.02 | $0 |
| Cost of Funds (%) | ▲ | 1.84% | -0.12 | 1.96% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $108 | +4.60 | $104 |
| Gross Loans ($M) | ▲ | $79 | +0.60 | $79 |
| Loan Growth YoY (%) | ▼ | 81.04% | -8.77 | 89.81% |
| Total Deposits ($M) | ▲ | $96 | +10.11 | $86 |
| Shareholders Equity ($M) | ▲ | $11 | +1.33 | $10 |
| Tang. Book Value ($M) | ▲ | $11 | +1.33 | $10 |
| Loan / Deposit Ratio (%) | ▼ | 81.04% | -8.77 | 89.81% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.29% | -0.06 | 0.34% |
| Allowance / Loans (%) | — | 1.49% | -0.06% | 1.55% |
| Net Charge-Off Ratio (%) | ▲ | 0.39% | -0.06 | 0.45% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.55% | +0.34 | 12.20% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▃▅▆▇██ | Net Interest Margin (%) | 3.48% | 3.67% | 3.80% | 3.98% | 4.16% | 4.25% | 4.42% | 4.38% |
| ▁▂▃▅▆▇██ | Return on Assets (%) | 0.31% | 0.40% | 0.49% | 0.66% | 0.73% | 0.74% | 0.87% | 0.84% |
| █▇▆▃▂▂▁▁ | Efficiency Ratio (%) | 89.5% | 87.3% | 86.1% | 81.5% | 79.6% | 79.2% | 78.3% | 77.6% |
| ██▅▄▃▃▁▂ | Cost of Funds (%) | 2.36% | 2.37% | 2.05% | 1.96% | 1.91% | 1.88% | 1.68% | 1.84% |
| ▂▃▄▆▁▁█▅ | NPA / Assets (%) | 0.12% | 0.13% | 0.25% | 0.34% | 0.00% | 0.00% | 0.52% | 0.29% |
| ▂▂▄▅▁▁█▅ | Net Charge-Off Ratio (%) | 0.17% | 0.18% | 0.35% | 0.45% | 0.00% | 0.00% | 0.73% | 0.39% |
| ▁▁▁▃▆▇▇█ | Tang. Book Value ($M) | $9 | $9 | $9 | $10 | $10 | $11 | $11 | $11 |
| ▅▂▁▇▄▆██ | Gross Loans ($M) | $77 | $75 | $74 | $79 | $77 | $78 | $80 | $79 |
| ▄▁▁▂▅▃██ | Total Deposits ($M) | $90 | $83 | $84 | $86 | $91 | $87 | $98 | $96 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 74% |
| C&I / Commercial | 25% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 14% |