Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.18% | +0.49 | -0.32% |
| Return on Equity (%) | ▲ | 2.20% | +6.19 | -3.99% |
| Net Interest Margin (%) | ▲ | 3.25% | +0.62 | 2.63% |
| Efficiency Ratio (%) | ▲ | 94.36% | -17.72 | 112.08% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.24 | $-0 |
| Cost of Funds (%) | ▲ | 2.22% | -0.40 | 2.62% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $200 | +6.05 | $194 |
| Gross Loans ($M) | ▲ | $169 | +2.60 | $166 |
| Loan Growth YoY (%) | ▼ | 107.61% | -3.78 | 111.39% |
| Total Deposits ($M) | ▲ | $155 | +7.56 | $148 |
| Shareholders Equity ($M) | ▲ | $16 | +0.47 | $16 |
| Tang. Book Value ($M) | ▲ | $16 | +0.47 | $16 |
| Loan / Deposit Ratio (%) | ▼ | 107.61% | -3.78 | 111.39% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.23% | -0.05 | 0.27% |
| Allowance / Loans (%) | — | 1.12% | 0.00% | 1.12% |
| Net Charge-Off Ratio (%) | ▲ | 0.27% | -0.05 | 0.32% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 10.70% | +0.21 | 10.49% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▂▃▄██ | Net Interest Margin (%) | 2.51% | 2.50% | 2.54% | 2.63% | 2.75% | 2.85% | 3.21% | 3.25% |
| ▆▁▇▇▇███ | Return on Assets (%) | -0.52% | -2.05% | -0.38% | -0.32% | -0.16% | -0.01% | 0.12% | 0.18% |
| ██▅▄▃▂▁▁ | Efficiency Ratio (%) | 130.7% | 127.5% | 115.0% | 112.1% | 105.8% | 100.0% | 96.2% | 94.4% |
| ██▇▇▄▂▁▁ | Cost of Funds (%) | 2.68% | 2.71% | 2.64% | 2.62% | 2.45% | 2.32% | 2.22% | 2.22% |
| ▄▁▁████▇ | NPA / Assets (%) | 0.13% | 0.00% | 0.00% | 0.27% | 0.27% | 0.26% | 0.27% | 0.23% |
| ▄▁▁████▇ | Net Charge-Off Ratio (%) | 0.15% | 0.00% | 0.00% | 0.32% | 0.32% | 0.31% | 0.31% | 0.27% |
| █▁▁▁▁▁▁▂ | Tang. Book Value ($M) | $19 | $16 | $16 | $16 | $16 | $16 | $16 | $16 |
| ▂█▃▁▂▆▆▆ | Gross Loans ($M) | $167 | $170 | $167 | $166 | $167 | $169 | $169 | $169 |
| ▁▄▄▅▄███ | Total Deposits ($M) | $138 | $145 | $145 | $148 | $146 | $154 | $153 | $155 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 67% |
| C&I / Commercial | 24% |
| Consumer | 9% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 14% |