Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.44% | +0.19 | 1.25% |
| Return on Equity (%) | ▲ | 13.59% | +1.80 | 11.79% |
| Net Interest Margin (%) | ▲ | 3.78% | +0.20 | 3.58% |
| Efficiency Ratio (%) | ▲ | 48.98% | -1.83 | 50.82% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.05 | $1 |
| Cost of Funds (%) | ▼ | 1.85% | +0.06 | 1.79% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $231 | +18.91 | $213 |
| Gross Loans ($M) | ▲ | $152 | +9.86 | $142 |
| Loan Growth YoY (%) | ▲ | 78.54% | +0.35 | 78.19% |
| Total Deposits ($M) | ▲ | $191 | +11.05 | $180 |
| Shareholders Equity ($M) | ▲ | $26 | +2.25 | $23 |
| Tang. Book Value ($M) | ▲ | $26 | +2.25 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $28 | +2.31 | $26 |
| Loan / Deposit Ratio (%) | ▲ | 78.54% | +0.35 | 78.19% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.82% | +0.82 | 0.00% |
| Allowance / Loans (%) | — | 1.35% | 0.29% | 1.06% |
| Net Charge-Off Ratio (%) | ▼ | 1.24% | +1.24 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆▇▇▇██ | Net Interest Margin (%) | 2.95% | 3.07% | 3.47% | 3.58% | 3.64% | 3.67% | 3.77% | 3.78% |
| ▁▂▅▆▇▅██ | Return on Assets (%) | 0.75% | 0.86% | 1.12% | 1.25% | 1.31% | 1.16% | 1.48% | 1.44% |
| █▇▄▃▂▃▁▂ | Efficiency Ratio (%) | 61.5% | 58.0% | 53.0% | 50.8% | 48.9% | 50.2% | 45.3% | 49.0% |
| █▇▂▄▅▂▁▆ | Cost of Funds (%) | 1.94% | 1.90% | 1.72% | 1.79% | 1.80% | 1.73% | 1.67% | 1.85% |
| ▁▁▁▁▁███ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.85% | 0.77% | 0.82% |
| ▁▁▁▁▁███ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.29% | 1.25% | 1.24% |
| ▄▁▃▅▇▆▇█ | Tang. Book Value ($M) | $23 | $21 | $23 | $23 | $25 | $24 | $25 | $26 |
| ▁▁▃▅▇▇██ | Gross Loans ($M) | $130 | $132 | $137 | $142 | $148 | $149 | $152 | $152 |
| ▁▂▄▄▆▆█▆ | Total Deposits ($M) | $164 | $169 | $183 | $180 | $191 | $192 | $205 | $191 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 24% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 59% |
| Brokered / Other | 10% |