Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.84% | +0.23 | 0.61% |
| Return on Equity (%) | ▲ | 9.61% | +2.42 | 7.19% |
| Net Interest Margin (%) | ▲ | 3.54% | +0.21 | 3.33% |
| Efficiency Ratio (%) | ▲ | 63.74% | -9.14 | 72.89% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.52 | $1 |
| Cost of Funds (%) | ▲ | 2.80% | -0.06 | 2.85% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $387 | +27.57 | $359 |
| Gross Loans ($M) | ▲ | $330 | +28.79 | $301 |
| Loan Growth YoY (%) | ▼ | 100.71% | -1.05 | 101.76% |
| Total Deposits ($M) | ▲ | $325 | +31.47 | $294 |
| Shareholders Equity ($M) | ▲ | $35 | +4.96 | $30 |
| Tang. Book Value ($M) | ▲ | $35 | +5.08 | $30 |
| TBV excl. AOCI ($M)** | ▲ | $37 | +5.22 | $31 |
| Loan / Deposit Ratio (%) | ▼ | 100.71% | -1.05 | 101.76% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.03% | -0.19 | 0.22% |
| Allowance / Loans (%) | — | 0.75% | -0.01% | 0.76% |
| Net Charge-Off Ratio (%) | ▲ | 0.04% | -0.23 | 0.27% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -10.35 | 10.35% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▅▅▆▇█ | Net Interest Margin (%) | 3.10% | 3.13% | 3.34% | 3.33% | 3.35% | 3.43% | 3.46% | 3.54% |
| ▁▁▃▅▄▆▆█ | Return on Assets (%) | 0.38% | 0.38% | 0.55% | 0.61% | 0.61% | 0.70% | 0.72% | 0.84% |
| ██▅▄▄▄▂▁ | Efficiency Ratio (%) | 83.2% | 82.9% | 74.1% | 72.9% | 73.4% | 71.4% | 68.3% | 63.7% |
| ▅▄▁▆█▆▁▃ | Cost of Funds (%) | 2.83% | 2.80% | 2.75% | 2.85% | 2.93% | 2.87% | 2.72% | 2.80% |
| ██▇▅▅▆▅▁ | NPA / Assets (%) | 0.41% | 0.37% | 0.35% | 0.22% | 0.22% | 0.31% | 0.26% | 0.03% |
| █▇▇▅▄▆▅▁ | Net Charge-Off Ratio (%) | 0.49% | 0.43% | 0.42% | 0.27% | 0.26% | 0.37% | 0.32% | 0.04% |
| ▁▁▁▂▃▄▅█ | Tang. Book Value ($M) | $29 | $29 | $30 | $30 | $31 | $32 | $32 | $35 |
| ▁▃▃▄▆▆██ | Gross Loans ($M) | $277 | $295 | $296 | $301 | $310 | $314 | $326 | $330 |
| ▁▂▃▄▅▅██ | Total Deposits ($M) | $264 | $279 | $284 | $294 | $296 | $301 | $319 | $325 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 97% |
| C&I / Commercial | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 54% |
| Brokered / Other | 32% |