Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.61% | -0.15 | 0.76% |
| Return on Equity (%) | ▼ | 8.73% | -3.51 | 12.24% |
| Net Interest Margin (%) | ▲ | 4.91% | +0.19 | 4.72% |
| Efficiency Ratio (%) | ▼ | 84.64% | +2.94 | 81.70% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.09 | $1 |
| Cost of Funds (%) | ▲ | 0.99% | -0.14 | 1.13% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $267 | -4.07 | $271 |
| Gross Loans ($M) | ▲ | $163 | +9.32 | $153 |
| Loan Growth YoY (%) | ▲ | 65.03% | +5.43 | 59.60% |
| Total Deposits ($M) | ▼ | $248 | -6.52 | $254 |
| Shareholders Equity ($M) | ▲ | $19 | +2.49 | $17 |
| Tang. Book Value ($M) | ▲ | $19 | +2.52 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $23 | +3.07 | $20 |
| Loan / Deposit Ratio (%) | ▲ | 65.03% | +5.43 | 59.60% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.13% | -0.09 | 0.22% |
| Allowance / Loans (%) | — | 1.12% | -0.22% | 1.34% |
| Net Charge-Off Ratio (%) | ▲ | 0.22% | -0.17 | 0.39% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▅▁▃▄▄▅█ | Net Interest Margin (%) | 4.91% | 4.80% | 4.63% | 4.72% | 4.75% | 4.77% | 4.80% | 4.91% |
| █▁███▇▆▆ | Return on Assets (%) | 0.79% | 0.22% | 0.77% | 0.76% | 0.73% | 0.69% | 0.64% | 0.61% |
| ▁█▁▂▂▂▃▄ | Efficiency Ratio (%) | 78.9% | 93.6% | 79.9% | 81.7% | 81.4% | 82.3% | 83.0% | 84.6% |
| ██▄▅▆▄▁▁ | Cost of Funds (%) | 1.21% | 1.23% | 1.09% | 1.13% | 1.16% | 1.08% | 0.98% | 0.99% |
| ▇▇▆█▆▄▁▄ | NPA / Assets (%) | 0.18% | 0.19% | 0.17% | 0.22% | 0.17% | 0.12% | 0.06% | 0.13% |
| ▆▇▆█▆▄▁▄ | Net Charge-Off Ratio (%) | 0.31% | 0.33% | 0.28% | 0.39% | 0.29% | 0.22% | 0.11% | 0.22% |
| █▁▂▁▇█▆█ | Tang. Book Value ($M) | $19 | $16 | $17 | $16 | $19 | $19 | $18 | $19 |
| █▅▂▁▁▁▂▇ | Gross Loans ($M) | $166 | $160 | $156 | $153 | $154 | $154 | $155 | $163 |
| █▃▂▄▄▃▃▁ | Total Deposits ($M) | $264 | $253 | $250 | $254 | $254 | $253 | $252 | $248 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 46% |
| C&I / Commercial | 8% |
| Consumer | 44% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 4% |