Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.36% | -0.31 | 0.67% |
| Return on Equity (%) | ▼ | 3.14% | -3.04 | 6.18% |
| Net Interest Margin (%) | ▼ | 3.25% | -0.09 | 3.33% |
| Efficiency Ratio (%) | ▼ | 88.24% | +10.08 | 78.16% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.09 | $0 |
| Cost of Funds (%) | ▲ | 1.87% | -0.22 | 2.09% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $192 | +12.91 | $179 |
| Gross Loans ($M) | ▼ | $80 | -7.97 | $88 |
| Loan Growth YoY (%) | ▼ | 46.80% | -8.55 | 55.36% |
| Total Deposits ($M) | ▲ | $170 | +12.18 | $157 |
| Shareholders Equity ($M) | ▲ | $22 | +0.94 | $21 |
| Tang. Book Value ($M) | ▲ | $22 | +0.99 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +0.60 | $24 |
| Loan / Deposit Ratio (%) | ▼ | 46.80% | -8.55 | 55.36% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.99% | +2.19 | 0.81% |
| Allowance / Loans (%) | — | 1.16% | -0.12% | 1.28% |
| Net Charge-Off Ratio (%) | ▼ | 7.09% | +5.46 | 1.64% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 24.87% | +1.85 | 23.03% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▃▅▆▇▁▂ | Net Interest Margin (%) | 3.42% | 3.44% | 3.25% | 3.33% | 3.37% | 3.39% | 3.19% | 3.25% |
| ████▇▆▁▂ | Return on Assets (%) | 0.67% | 0.68% | 0.71% | 0.67% | 0.61% | 0.54% | 0.25% | 0.36% |
| ▁▁▁▁▃▄█▇ | Efficiency Ratio (%) | 76.7% | 77.1% | 76.3% | 78.2% | 82.0% | 82.6% | 91.6% | 88.2% |
| ▇▆▆█▅▄▁▄ | Cost of Funds (%) | 2.02% | 1.97% | 1.96% | 2.09% | 1.94% | 1.87% | 1.73% | 1.87% |
| ▁▁▂▁▂▁▃█ | NPA / Assets (%) | 0.53% | 0.50% | 0.86% | 0.81% | 0.90% | 0.67% | 1.14% | 2.99% |
| ▁▁▂▁▁▁▂█ | Net Charge-Off Ratio (%) | 1.04% | 1.05% | 1.86% | 1.64% | 1.53% | 1.06% | 2.49% | 7.09% |
| ▂▁▄▄████ | Tang. Book Value ($M) | $20 | $20 | $20 | $21 | $21 | $22 | $22 | $22 |
| █▇▄▄▃▂▃▁ | Gross Loans ($M) | $98 | $94 | $88 | $88 | $87 | $84 | $85 | $80 |
| ▆█▆▁▃▂▅▆ | Total Deposits ($M) | $170 | $175 | $169 | $157 | $164 | $161 | $168 | $170 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 72% |
| C&I / Commercial | 18% |
| Consumer | 1% |
| Other | 9% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 44% |
| Brokered / Other | 33% |