Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.16% | +0.34 | 1.82% |
| Return on Equity (%) | ▲ | 7.74% | +0.98 | 6.76% |
| Net Interest Margin (%) | ▲ | 4.66% | +0.22 | 4.43% |
| Efficiency Ratio (%) | ▲ | 38.71% | -3.19 | 41.90% |
| Pre-Provision Profit ($M) | ▼ | $2 | -0.12 | $2 |
| Cost of Funds (%) | ▲ | 1.31% | -0.02 | 1.33% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $298 | +9.12 | $289 |
| Gross Loans ($M) | ▼ | $190 | -4.87 | $195 |
| Loan Growth YoY (%) | ▼ | 88.61% | -3.49 | 92.10% |
| Total Deposits ($M) | ▲ | $211 | +2.68 | $209 |
| Shareholders Equity ($M) | ▲ | $84 | +6.29 | $78 |
| Tang. Book Value ($M) | ▲ | $78 | +6.29 | $72 |
| Loan / Deposit Ratio (%) | ▼ | 88.61% | -3.49 | 92.10% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.45% | -0.59 | 1.03% |
| Allowance / Loans (%) | — | 1.47% | 0.05% | 1.42% |
| Net Charge-Off Ratio (%) | ▲ | 0.70% | -0.83 | 1.53% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▂▁▂█▄ | Net Interest Margin (%) | 4.40% | 4.37% | 4.33% | 4.43% | 4.35% | 4.45% | 5.01% | 4.66% |
| ▄▄▁▃▃▄█▆ | Return on Assets (%) | 1.92% | 1.93% | 1.51% | 1.82% | 1.83% | 1.94% | 2.48% | 2.16% |
| ▇▆█▆▆▅▁▃ | Efficiency Ratio (%) | 43.8% | 42.8% | 45.1% | 41.9% | 42.2% | 41.1% | 35.9% | 38.7% |
| ▂▆▇▇█▆▁▆ | Cost of Funds (%) | 1.20% | 1.30% | 1.35% | 1.33% | 1.38% | 1.31% | 1.15% | 1.31% |
| ▄▄▄▁█▂▁▁ | NPA / Assets (%) | 2.62% | 2.70% | 2.44% | 1.03% | 5.38% | 1.51% | 0.44% | 0.45% |
| ▄▄▃▁█▂▁▁ | Net Charge-Off Ratio (%) | 3.95% | 3.92% | 3.31% | 1.53% | 7.89% | 2.33% | 0.71% | 0.70% |
| ▁▁▂▄▅▆▇█ | Tang. Book Value ($M) | $68 | $69 | $70 | $72 | $73 | $75 | $77 | $78 |
| ▃▄█▄▆▁▁▂ | Gross Loans ($M) | $193 | $194 | $208 | $195 | $200 | $185 | $187 | $190 |
| ▆▁▁▃▅▁█▄ | Total Deposits ($M) | $215 | $204 | $203 | $209 | $212 | $202 | $221 | $211 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 14% |