Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.13% | -0.06 | 1.19% |
| Return on Equity (%) | ▼ | 12.67% | -3.07 | 15.74% |
| Net Interest Margin (%) | ▲ | 4.96% | +0.24 | 4.73% |
| Efficiency Ratio (%) | ▲ | 66.84% | -0.05 | 66.89% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.07 | $1 |
| Cost of Funds (%) | ▲ | 0.97% | -0.09 | 1.06% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $206 | +4.35 | $201 |
| Gross Loans ($M) | ▲ | $148 | +21.49 | $127 |
| Loan Growth YoY (%) | ▲ | 78.66% | +10.78 | 67.87% |
| Total Deposits ($M) | ▲ | $187 | +1.72 | $185 |
| Shareholders Equity ($M) | ▲ | $19 | +2.77 | $16 |
| Tang. Book Value ($M) | ▲ | $19 | +2.77 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +2.56 | $18 |
| Loan / Deposit Ratio (%) | ▲ | 78.66% | +10.78 | 67.87% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.09% | +0.09 | 0.00% |
| Allowance / Loans (%) | — | 1.05% | -0.02% | 1.07% |
| Net Charge-Off Ratio (%) | ▼ | 0.12% | +0.12 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▃▂▄▅▆██ | Net Interest Margin (%) | 4.57% | 4.67% | 4.64% | 4.73% | 4.81% | 4.86% | 4.94% | 4.96% |
| ▂▁▆▇██▇▅ | Return on Assets (%) | 1.01% | 0.96% | 1.17% | 1.19% | 1.24% | 1.21% | 1.20% | 1.13% |
| █▆▄▃▁▁▅▃ | Efficiency Ratio (%) | 69.8% | 68.6% | 67.0% | 66.9% | 65.6% | 65.3% | 67.9% | 66.8% |
| █▇▅▅▄▃▂▁ | Cost of Funds (%) | 1.12% | 1.09% | 1.05% | 1.06% | 1.04% | 1.03% | 1.00% | 0.97% |
| █▄▇▁▅▁▁█ | NPA / Assets (%) | 0.10% | 0.05% | 0.07% | 0.00% | 0.05% | 0.00% | 0.00% | 0.09% |
| ▃▃█▁▅▁▁█ | Net Charge-Off Ratio (%) | 0.04% | 0.04% | 0.11% | 0.00% | 0.07% | 0.00% | 0.00% | 0.12% |
| ▂▁▂▄▆▇▇█ | Tang. Book Value ($M) | $15 | $14 | $15 | $16 | $17 | $17 | $18 | $19 |
| ▁▁▁▁▄▅▆█ | Gross Loans ($M) | $127 | $129 | $128 | $127 | $136 | $139 | $142 | $148 |
| ▁▁▇▇█▅▅█ | Total Deposits ($M) | $172 | $173 | $186 | $185 | $189 | $181 | $181 | $187 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 18% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 10% |