Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.84% | -0.17 | 2.01% |
| Return on Equity (%) | ▼ | 15.38% | -1.53 | 16.91% |
| Net Interest Margin (%) | ▼ | 5.71% | -0.32 | 6.03% |
| Efficiency Ratio (%) | ▼ | 56.38% | +2.64 | 53.74% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.11 | $1 |
| Cost of Funds (%) | ▲ | 1.85% | -0.36 | 2.21% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $157 | +15.91 | $141 |
| Gross Loans ($M) | ▲ | $138 | +13.31 | $125 |
| Loan Growth YoY (%) | ▼ | 98.32% | -0.88 | 99.21% |
| Total Deposits ($M) | ▲ | $139 | +14.57 | $124 |
| Shareholders Equity ($M) | ▲ | $18 | +1.32 | $17 |
| Tang. Book Value ($M) | ▲ | $18 | +1.32 | $17 |
| Loan / Deposit Ratio (%) | ▼ | 98.32% | -0.88 | 99.21% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.48% | +0.19 | 0.29% |
| Allowance / Loans (%) | — | 1.31% | -0.08% | 1.39% |
| Net Charge-Off Ratio (%) | ▼ | 0.54% | +0.21 | 0.33% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▃▇▆▇▁▃ | Net Interest Margin (%) | 6.12% | 6.17% | 5.76% | 6.03% | 5.99% | 6.03% | 5.55% | 5.71% |
| ▅▇▃█▆█▁▂ | Return on Assets (%) | 1.91% | 1.96% | 1.86% | 2.01% | 1.96% | 2.00% | 1.80% | 1.84% |
| ▇▇█▁▂▄▇█ | Efficiency Ratio (%) | 56.0% | 55.9% | 56.2% | 53.7% | 54.4% | 54.9% | 55.7% | 56.4% |
| ▆███▇▇▃▁ | Cost of Funds (%) | 2.10% | 2.17% | 2.21% | 2.21% | 2.13% | 2.14% | 1.97% | 1.85% |
| ▆▆▅▁▁██▇ | NPA / Assets (%) | 0.46% | 0.45% | 0.42% | 0.29% | 0.28% | 0.51% | 0.52% | 0.48% |
| ▇▅▅▁▁██▇ | Net Charge-Off Ratio (%) | 0.53% | 0.49% | 0.46% | 0.33% | 0.33% | 0.56% | 0.59% | 0.54% |
| ▁▄▁▃▆█▅█ | Tang. Book Value ($M) | $16 | $17 | $16 | $17 | $17 | $18 | $17 | $18 |
| ▁▄▄▃▄▆▆█ | Gross Loans ($M) | $117 | $125 | $126 | $125 | $127 | $132 | $132 | $138 |
| ▁▁▁▃▆▃▅█ | Total Deposits ($M) | $118 | $120 | $120 | $124 | $132 | $125 | $129 | $139 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 19% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 17% |