Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.83% | +0.16 | 1.67% |
| Return on Equity (%) | ▲ | 14.24% | +1.53 | 12.71% |
| Net Interest Margin (%) | ▼ | 5.03% | -0.42 | 5.46% |
| Efficiency Ratio (%) | ▲ | 58.03% | -0.30 | 58.34% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.04 | $1 |
| Cost of Funds (%) | ▼ | 0.93% | +0.03 | 0.90% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $172 | +10.62 | $161 |
| Gross Loans ($M) | ▲ | $100 | +5.04 | $95 |
| Loan Growth YoY (%) | ▼ | 66.93% | -1.47 | 68.40% |
| Total Deposits ($M) | ▲ | $146 | +10.22 | $136 |
| Shareholders Equity ($M) | ▲ | $22 | +1.22 | $21 |
| Tang. Book Value ($M) | ▲ | $22 | +1.22 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +1.34 | $23 |
| Loan / Deposit Ratio (%) | ▼ | 66.93% | -1.47 | 68.40% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.34% | +1.34 | 0.00% |
| Allowance / Loans (%) | — | 1.94% | 0.10% | 1.84% |
| Net Charge-Off Ratio (%) | ▼ | 2.31% | +2.31 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▇█▆███▁▂ | Net Interest Margin (%) | 5.39% | 5.43% | 5.33% | 5.46% | 5.50% | 5.45% | 4.92% | 5.03% |
| ▁▂▂▃▄█▆▇ | Return on Assets (%) | 1.57% | 1.63% | 1.62% | 1.67% | 1.72% | 1.88% | 1.77% | 1.83% |
| ▄▅▅▂▁▁█▁ | Efficiency Ratio (%) | 58.8% | 59.0% | 59.0% | 58.3% | 57.9% | 57.9% | 60.0% | 58.0% |
| █▇▃▂▅▃▁▄ | Cost of Funds (%) | 1.02% | 1.00% | 0.92% | 0.90% | 0.95% | 0.91% | 0.86% | 0.93% |
| ▁▁▁▁▁███ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.40% | 1.32% | 1.34% |
| ▁▁▁▁▁███ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.40% | 2.46% | 2.31% |
| ▁▂▂▄▅▆▇█ | Tang. Book Value ($M) | $20 | $20 | $21 | $21 | $21 | $22 | $22 | $22 |
| ▁▂▂▆▇▆▅█ | Gross Loans ($M) | $85 | $87 | $89 | $95 | $98 | $96 | $93 | $100 |
| ▂▁▃▄▃▅█▇ | Total Deposits ($M) | $132 | $128 | $134 | $136 | $135 | $139 | $149 | $146 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 95% |
| C&I / Commercial | 4% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 43% |
| Interest-Bearing (core) | 45% |
| Brokered / Other | 12% |