Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.93% | +0.52 | 1.42% |
| Return on Equity (%) | ▲ | 20.44% | +4.69 | 15.75% |
| Net Interest Margin (%) | ▲ | 4.18% | +0.45 | 3.73% |
| Efficiency Ratio (%) | ▲ | 48.42% | -8.60 | 57.03% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.33 | $1 |
| Cost of Funds (%) | ▲ | 2.24% | -0.17 | 2.41% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $179 | +25.23 | $154 |
| Gross Loans ($M) | ▲ | $149 | +24.39 | $124 |
| Loan Growth YoY (%) | ▲ | 91.76% | +2.67 | 89.09% |
| Total Deposits ($M) | ▲ | $160 | +22.43 | $137 |
| Shareholders Equity ($M) | ▲ | $17 | +2.31 | $15 |
| Tang. Book Value ($M) | ▲ | $17 | +2.31 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +2.31 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 91.76% | +2.67 | 89.09% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.11% | -0.03 | 0.14% |
| Allowance / Loans (%) | — | 1.44% | -0.18% | 1.62% |
| Net Charge-Off Ratio (%) | ▲ | 0.13% | -0.04 | 0.17% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▅▇█ | Net Interest Margin (%) | 3.48% | 3.49% | 3.60% | 3.73% | 3.81% | 3.88% | 4.08% | 4.18% |
| ▁▁▁▃▄▄▇█ | Return on Assets (%) | 1.21% | 1.22% | 1.27% | 1.42% | 1.49% | 1.57% | 1.82% | 1.93% |
| ███▇▆▅▁▁ | Efficiency Ratio (%) | 58.9% | 58.9% | 59.3% | 57.0% | 55.8% | 54.6% | 49.7% | 48.4% |
| █▆█▄▃▃▁▁ | Cost of Funds (%) | 2.63% | 2.50% | 2.59% | 2.41% | 2.37% | 2.35% | 2.29% | 2.24% |
| ██▁▄▁▃▅▃ | NPA / Assets (%) | 0.26% | 0.28% | 0.03% | 0.14% | 0.05% | 0.12% | 0.18% | 0.11% |
| ▄█▁▄▁▃▅▃ | Net Charge-Off Ratio (%) | 0.18% | 0.37% | 0.04% | 0.17% | 0.06% | 0.14% | 0.22% | 0.13% |
| ▃▁▂▃▅▇▇█ | Tang. Book Value ($M) | $14 | $13 | $14 | $15 | $16 | $16 | $17 | $17 |
| ▁▁▁▂▂▇▇█ | Gross Loans ($M) | $121 | $121 | $121 | $124 | $127 | $142 | $143 | $149 |
| ▁▃▁▁▃▆██ | Total Deposits ($M) | $138 | $145 | $139 | $137 | $143 | $153 | $158 | $160 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 89% |
| C&I / Commercial | 9% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 54% |
| Brokered / Other | 27% |