Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.20% | +0.37 | 0.84% |
| Return on Equity (%) | ▲ | 11.36% | +3.18 | 8.18% |
| Net Interest Margin (%) | ▲ | 4.66% | +0.89 | 3.77% |
| Efficiency Ratio (%) | ▲ | 65.38% | -8.26 | 73.63% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.38 | $1 |
| Cost of Funds (%) | ▲ | 1.38% | -0.38 | 1.76% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $233 | +8.85 | $224 |
| Gross Loans ($M) | ▲ | $185 | +7.00 | $178 |
| Loan Growth YoY (%) | ▼ | 92.07% | -1.96 | 94.03% |
| Total Deposits ($M) | ▲ | $199 | +11.02 | $188 |
| Shareholders Equity ($M) | ▲ | $25 | +1.49 | $23 |
| Tang. Book Value ($M) | ▲ | $25 | +1.49 | $23 |
| Loan / Deposit Ratio (%) | ▼ | 92.07% | -1.96 | 94.03% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.69% | -0.15 | 0.83% |
| Allowance / Loans (%) | — | 1.08% | 0.25% | 0.83% |
| Net Charge-Off Ratio (%) | ▲ | 0.87% | -0.18 | 1.05% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▂▃▄██ | Net Interest Margin (%) | 3.54% | 3.56% | 3.68% | 3.77% | 3.91% | 4.06% | 4.56% | 4.66% |
| ▁▁▂▂▃▄██ | Return on Assets (%) | 0.71% | 0.73% | 0.78% | 0.84% | 0.88% | 0.95% | 1.22% | 1.20% |
| █▇█▇▅▄▁▁ | Efficiency Ratio (%) | 74.4% | 73.7% | 75.0% | 73.6% | 71.3% | 69.4% | 66.2% | 65.4% |
| ██▆▆▅▄▂▁ | Cost of Funds (%) | 1.90% | 1.94% | 1.76% | 1.76% | 1.70% | 1.62% | 1.48% | 1.38% |
| ▅▅▆▄█▅▁▁ | NPA / Assets (%) | 0.89% | 0.86% | 0.93% | 0.83% | 1.04% | 0.89% | 0.66% | 0.69% |
| ▆▅▇▄█▆▁▁ | Net Charge-Off Ratio (%) | 1.18% | 1.12% | 1.20% | 1.05% | 1.31% | 1.13% | 0.82% | 0.87% |
| ▂▁▂▄▅▅▆█ | Tang. Book Value ($M) | $23 | $22 | $23 | $23 | $24 | $24 | $24 | $25 |
| ▁▂▂▅▆▅██ | Gross Loans ($M) | $170 | $172 | $173 | $178 | $181 | $178 | $184 | $185 |
| ▂▂▁▂▃▄▆█ | Total Deposits ($M) | $189 | $188 | $186 | $188 | $189 | $192 | $194 | $199 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 87% |
| C&I / Commercial | 7% |
| Consumer | 6% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 12% |