Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.81% | +0.14 | 0.67% |
| Return on Equity (%) | ▲ | 8.78% | +0.79 | 7.99% |
| Net Interest Margin (%) | ▲ | 4.02% | +0.20 | 3.82% |
| Efficiency Ratio (%) | ▲ | 75.86% | -0.26 | 76.12% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.01 | $1 |
| Cost of Funds (%) | ▲ | 0.85% | -0.09 | 0.94% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $195 | -0.96 | $196 |
| Gross Loans ($M) | ▼ | $122 | -1.10 | $123 |
| Loan Growth YoY (%) | ▲ | 68.87% | +0.28 | 68.59% |
| Total Deposits ($M) | ▼ | $176 | -2.27 | $178 |
| Shareholders Equity ($M) | ▲ | $18 | +1.22 | $17 |
| Tang. Book Value ($M) | ▲ | $18 | +1.22 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +1.09 | $19 |
| Loan / Deposit Ratio (%) | ▲ | 68.87% | +0.28 | 68.59% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.04% | -0.01 | 0.05% |
| Allowance / Loans (%) | — | 0.90% | -0.01% | 0.91% |
| Net Charge-Off Ratio (%) | ▲ | 0.06% | -0.02 | 0.08% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▅▁▃▅▆██ | Net Interest Margin (%) | 3.88% | 3.90% | 3.73% | 3.82% | 3.90% | 3.92% | 4.01% | 4.02% |
| ▃▃▂▄▁█▇█ | Return on Assets (%) | 0.60% | 0.62% | 0.58% | 0.67% | 0.52% | 0.82% | 0.77% | 0.81% |
| █▆▃▁█▁▂▁ | Efficiency Ratio (%) | 82.4% | 80.7% | 78.4% | 76.1% | 82.7% | 76.6% | 77.4% | 75.9% |
| ▁▄▆█▇█▅▄ | Cost of Funds (%) | 0.76% | 0.83% | 0.90% | 0.94% | 0.92% | 0.94% | 0.87% | 0.85% |
| █▆▅▄▃▂▁▁ | NPA / Assets (%) | 0.07% | 0.06% | 0.06% | 0.05% | 0.05% | 0.05% | 0.04% | 0.04% |
| █▆▅▄▃▂▁▁ | Net Charge-Off Ratio (%) | 0.11% | 0.10% | 0.09% | 0.08% | 0.08% | 0.07% | 0.07% | 0.06% |
| ▁▁▃▄▆███ | Tang. Book Value ($M) | $16 | $16 | $16 | $17 | $17 | $18 | $18 | $18 |
| ▁▅▆▇▆██▇ | Gross Loans ($M) | $109 | $118 | $121 | $123 | $120 | $126 | $126 | $122 |
| ▁███▇█▆▇ | Total Deposits ($M) | $164 | $177 | $178 | $178 | $176 | $178 | $175 | $176 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 95% |
| C&I / Commercial | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 4% |