Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.79% | +0.43 | 2.36% |
| Return on Equity (%) | ▼ | 35.20% | -2.35 | 37.55% |
| Net Interest Margin (%) | ▲ | 3.60% | +0.55 | 3.04% |
| Efficiency Ratio (%) | ▲ | 27.34% | -3.45 | 30.79% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.49 | $3 |
| Cost of Funds (%) | ▲ | 0.14% | -0.69 | 0.83% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $330 | +10.78 | $319 |
| Gross Loans ($M) | — | $0 | 0.00 | $0 |
| Loan Growth YoY (%) | — | 0.00% | 0.00 | 0.00% |
| Total Deposits ($M) | ▲ | $302 | +9.50 | $293 |
| Shareholders Equity ($M) | ▲ | $25 | +1.83 | $24 |
| Tang. Book Value ($M) | ▲ | $25 | +1.83 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $37 | +1.85 | $35 |
| Loan / Deposit Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.00% | — | 0.00% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 49.75% | +3.26 | 46.49% |
Noninterest income ($1.64M) is materially above the typical range relative to net interest income. This may include one-time items. Efficiency ratio may not reflect recurring earnings power.
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▄▁▃▄▅██ | Net Interest Margin (%) | 3.37% | 3.19% | 2.81% | 3.04% | 3.18% | 3.28% | 3.58% | 3.60% |
| ▆▄▁▂▄▄██ | Return on Assets (%) | 2.61% | 2.47% | 2.22% | 2.36% | 2.48% | 2.48% | 2.77% | 2.79% |
| ▅▆█▆▄▃▁▁ | Efficiency Ratio (%) | 29.9% | 30.7% | 32.0% | 30.8% | 29.5% | 28.6% | 27.2% | 27.3% |
| █▇▇▆▅▁▁▁ | Cost of Funds (%) | 1.08% | 0.90% | 0.88% | 0.83% | 0.71% | 0.26% | 0.14% | 0.14% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▁▃▅███▇ | Tang. Book Value ($M) | $22 | $17 | $21 | $24 | $27 | $28 | $28 | $25 |
| ▄▄▄▄▄▄▄▄ | Gross Loans ($M) | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| ▁█▂▃▆█▆▅ | Total Deposits ($M) | $270 | $330 | $279 | $293 | $313 | $327 | $311 | $302 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|
| Deposit Mix | % |
|---|---|
| Interest-Bearing (core) | 100% |