Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.72% | +0.21 | 0.50% |
| Return on Equity (%) | ▲ | 5.13% | +1.79 | 3.34% |
| Net Interest Margin (%) | ▲ | 4.22% | +0.16 | 4.06% |
| Efficiency Ratio (%) | ▲ | 86.88% | -3.73 | 90.61% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.13 | $0 |
| Cost of Funds (%) | ▼ | 1.86% | +0.11 | 1.75% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $130 | +15.00 | $115 |
| Gross Loans ($M) | ▲ | $94 | +3.75 | $91 |
| Loan Growth YoY (%) | ▼ | 85.66% | -8.75 | 94.41% |
| Total Deposits ($M) | ▲ | $108 | +14.16 | $94 |
| Shareholders Equity ($M) | ▲ | $18 | +0.70 | $17 |
| Tang. Book Value ($M) | ▲ | $18 | +0.70 | $17 |
| Loan / Deposit Ratio (%) | ▼ | 85.66% | -8.75 | 94.41% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.39% | -1.07 | 1.46% |
| Allowance / Loans (%) | — | 1.56% | -0.20% | 1.76% |
| Net Charge-Off Ratio (%) | ▲ | 0.55% | -1.32 | 1.86% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 19.75% | +1.68 | 18.07% |
Noninterest income ($0.47M) is materially above the typical range relative to net interest income. This may include one-time items. Efficiency ratio may not reflect recurring earnings power.
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▄▃▁▆▄▆ | Net Interest Margin (%) | 4.41% | 4.37% | 4.12% | 4.06% | 3.87% | 4.25% | 4.11% | 4.22% |
| ▁▁▇▂▁███ | Return on Assets (%) | 0.49% | 0.49% | 0.69% | 0.50% | 0.46% | 0.75% | 0.73% | 0.72% |
| █▆▂██▁▁▁ | Efficiency Ratio (%) | 91.0% | 89.5% | 87.5% | 90.6% | 91.1% | 86.6% | 86.7% | 86.9% |
| ▁▁▃▅██▇▆ | Cost of Funds (%) | 1.34% | 1.28% | 1.55% | 1.75% | 2.09% | 2.08% | 1.89% | 1.86% |
| ██▆▅▄▇▁▁ | NPA / Assets (%) | 2.19% | 1.99% | 1.73% | 1.46% | 1.16% | 1.75% | 0.38% | 0.39% |
| █▇▆▅▅▇▁▁ | Net Charge-Off Ratio (%) | 2.94% | 2.38% | 2.19% | 1.86% | 1.73% | 2.34% | 0.49% | 0.55% |
| ▁▁▃▃▄▇██ | Tang. Book Value ($M) | $16 | $17 | $17 | $17 | $17 | $17 | $17 | $18 |
| ▁▅▄▆▄▆██ | Gross Loans ($M) | $79 | $89 | $87 | $91 | $86 | $91 | $96 | $94 |
| ▂▁▂▃█▆▆█ | Total Deposits ($M) | $89 | $86 | $89 | $94 | $107 | $100 | $100 | $108 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 69% |
| C&I / Commercial | 31% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 2% |