Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.85% | +0.45 | 0.40% |
| Return on Equity (%) | ▲ | 12.05% | +5.72 | 6.33% |
| Net Interest Margin (%) | ▲ | 3.01% | +0.30 | 2.70% |
| Efficiency Ratio (%) | ▲ | 66.08% | -16.29 | 82.37% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.21 | $0 |
| Cost of Funds (%) | ▼ | 1.35% | +0.05 | 1.31% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $158 | +8.54 | $150 |
| Gross Loans ($M) | ▲ | $74 | +1.80 | $72 |
| Loan Growth YoY (%) | ▲ | 53.93% | +1.64 | 52.29% |
| Total Deposits ($M) | ▼ | $135 | -0.81 | $136 |
| Shareholders Equity ($M) | ▲ | $11 | +1.25 | $10 |
| Tang. Book Value ($M) | ▲ | $11 | +1.25 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +1.54 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 53.93% | +1.64 | 52.29% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.04% | -0.08 | 0.12% |
| Allowance / Loans (%) | — | 1.14% | -0.01% | 1.15% |
| Net Charge-Off Ratio (%) | ▲ | 0.08% | -0.17 | 0.25% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -21.22 | 21.22% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▃▁▃▄▅▆█ | Net Interest Margin (%) | 2.78% | 2.70% | 2.57% | 2.70% | 2.78% | 2.81% | 2.89% | 3.01% |
| ▆▅▁▄▆▆▆█ | Return on Assets (%) | 0.58% | 0.54% | 0.02% | 0.40% | 0.55% | 0.55% | 0.54% | 0.85% |
| ▂▃█▅▄▃▃▁ | Efficiency Ratio (%) | 71.1% | 73.5% | 94.8% | 82.4% | 77.4% | 76.3% | 73.3% | 66.1% |
| ▁█▂▁▁▁▁▂ | Cost of Funds (%) | 1.29% | 1.73% | 1.35% | 1.31% | 1.29% | 1.27% | 1.32% | 1.35% |
| ▄▁▂▂▂█▁▁ | NPA / Assets (%) | 0.21% | 0.06% | 0.13% | 0.12% | 0.13% | 0.46% | 0.06% | 0.04% |
| ▃▁▂▂▂█▁▁ | Net Charge-Off Ratio (%) | 0.41% | 0.11% | 0.26% | 0.25% | 0.28% | 1.00% | 0.13% | 0.08% |
| ▅▁▂▄████ | Tang. Book Value ($M) | $10 | $9 | $9 | $10 | $11 | $11 | $11 | $11 |
| ▆▁▃▅▄▃▆█ | Gross Loans ($M) | $73 | $70 | $71 | $72 | $71 | $71 | $72 | $74 |
| ▂▁█▇▇▃█▆ | Total Deposits ($M) | $132 | $130 | $137 | $136 | $135 | $132 | $137 | $135 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 95% |
| C&I / Commercial | 1% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 5% |