Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.57% | +0.20 | 0.37% |
| Return on Equity (%) | ▲ | 6.03% | +2.03 | 4.00% |
| Net Interest Margin (%) | ▲ | 2.85% | +0.32 | 2.53% |
| Efficiency Ratio (%) | ▲ | 67.67% | -6.69 | 74.35% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.41 | $1 |
| Cost of Funds (%) | ▲ | 2.09% | -0.05 | 2.13% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $382 | +4.63 | $377 |
| Gross Loans ($M) | ▼ | $227 | -3.80 | $231 |
| Loan Growth YoY (%) | ▼ | 79.00% | -2.89 | 81.89% |
| Total Deposits ($M) | ▲ | $284 | +4.45 | $279 |
| Shareholders Equity ($M) | ▲ | $36 | +1.59 | $35 |
| Tang. Book Value ($M) | ▲ | $36 | +1.59 | $35 |
| TBV excl. AOCI ($M)** | ▲ | $42 | +2.62 | $40 |
| Loan / Deposit Ratio (%) | ▼ | 79.00% | -2.89 | 81.89% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.55% | +0.01 | 0.54% |
| Allowance / Loans (%) | — | 1.30% | 0.35% | 0.95% |
| Net Charge-Off Ratio (%) | ▼ | 0.92% | +0.04 | 0.88% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.79% | +0.49 | 14.30% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▇▆▁▁▂▃██ | Net Interest Margin (%) | 2.78% | 2.77% | 2.53% | 2.53% | 2.59% | 2.64% | 2.81% | 2.85% |
| ▃▃▃▁▃▆██ | Return on Assets (%) | 0.43% | 0.45% | 0.44% | 0.37% | 0.43% | 0.52% | 0.59% | 0.57% |
| ██▃▆▅▂▁▁ | Efficiency Ratio (%) | 76.9% | 77.2% | 70.7% | 74.4% | 72.8% | 69.9% | 67.8% | 67.7% |
| ▁▃▅▅█▆▇▄ | Cost of Funds (%) | 1.88% | 2.02% | 2.10% | 2.13% | 2.30% | 2.19% | 2.20% | 2.09% |
| █▂▃▁▃▁▂▁ | NPA / Assets (%) | 0.99% | 0.63% | 0.66% | 0.54% | 0.66% | 0.54% | 0.63% | 0.55% |
| █▁▁▁▄▁▃▁ | Net Charge-Off Ratio (%) | 1.43% | 0.85% | 0.90% | 0.88% | 1.10% | 0.87% | 1.03% | 0.92% |
| ▁▁▃▄▆███ | Tang. Book Value ($M) | $34 | $34 | $34 | $35 | $35 | $36 | $36 | $36 |
| █▆▄▂▁▄▂▁ | Gross Loans ($M) | $248 | $241 | $236 | $231 | $227 | $236 | $230 | $227 |
| ▁▂▁▆▆█▅▇ | Total Deposits ($M) | $263 | $269 | $264 | $279 | $280 | $288 | $278 | $284 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 8% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 55% |
| Brokered / Other | 26% |