Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.02% | +0.16 | 0.86% |
| Return on Equity (%) | ▲ | 5.50% | +1.05 | 4.45% |
| Net Interest Margin (%) | ▲ | 4.13% | +0.14 | 3.99% |
| Efficiency Ratio (%) | ▲ | 68.44% | -4.53 | 72.97% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.11 | $1 |
| Cost of Funds (%) | ▲ | 1.76% | -0.22 | 1.98% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $202 | +14.93 | $187 |
| Gross Loans ($M) | ▲ | $176 | +12.02 | $164 |
| Loan Growth YoY (%) | ▼ | 107.50% | -4.34 | 111.85% |
| Total Deposits ($M) | ▲ | $163 | +17.06 | $146 |
| Shareholders Equity ($M) | ▲ | $38 | +0.48 | $37 |
| Tang. Book Value ($M) | ▲ | $38 | +0.48 | $37 |
| Loan / Deposit Ratio (%) | ▼ | 107.50% | -4.34 | 111.85% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.77% | -0.05% | 0.82% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▄▂▂▄▇▆█ | Net Interest Margin (%) | 3.95% | 4.04% | 3.98% | 3.99% | 4.03% | 4.10% | 4.07% | 4.13% |
| ▇█▁▄▅█▃▆ | Return on Assets (%) | 1.11% | 1.25% | 0.61% | 0.86% | 1.00% | 1.20% | 0.82% | 1.02% |
| ▂▁█▅▄▁▆▄ | Efficiency Ratio (%) | 64.3% | 60.6% | 80.4% | 73.0% | 69.0% | 62.9% | 74.1% | 68.4% |
| █▅▅▆▅▃▁▁ | Cost of Funds (%) | 2.12% | 1.93% | 1.96% | 1.98% | 1.95% | 1.87% | 1.73% | 1.76% |
| █▁▁▁▁▁▁▁ | NPA / Assets (%) | 0.39% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| █▁▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.45% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| █▁▂▄▇▂▄▇ | Tang. Book Value ($M) | $38 | $37 | $37 | $37 | $38 | $37 | $37 | $38 |
| ▁▃▂▁▂▃██ | Gross Loans ($M) | $165 | $168 | $166 | $164 | $166 | $168 | $177 | $176 |
| ▂▄▄▃▁▁██ | Total Deposits ($M) | $143 | $150 | $149 | $146 | $141 | $139 | $161 | $163 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 94% |
| C&I / Commercial | 5% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 52% |
| Brokered / Other | 17% |