Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.31% | +0.23 | 1.07% |
| Return on Equity (%) | ▲ | 5.05% | +0.76 | 4.29% |
| Net Interest Margin (%) | ▼ | 4.05% | -0.02 | 4.08% |
| Efficiency Ratio (%) | ▲ | 62.97% | -1.61 | 64.58% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.03 | $1 |
| Cost of Funds (%) | ▲ | 0.29% | -0.04 | 0.33% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $183 | +9.15 | $174 |
| Gross Loans ($M) | ▲ | $123 | +3.04 | $120 |
| Loan Growth YoY (%) | ▼ | 89.87% | -2.67 | 92.55% |
| Total Deposits ($M) | ▲ | $135 | +6.94 | $128 |
| Shareholders Equity ($M) | ▲ | $46 | +2.48 | $44 |
| Tang. Book Value ($M) | ▲ | $46 | +2.48 | $44 |
| Loan / Deposit Ratio (%) | ▼ | 89.87% | -2.67 | 92.55% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.63% | -0.13 | 0.77% |
| Allowance / Loans (%) | — | 1.42% | 0.16% | 1.26% |
| Net Charge-Off Ratio (%) | ▲ | 0.48% | -0.16 | 0.63% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▆▁▃▂█▁▃ | Net Interest Margin (%) | 4.15% | 4.19% | 3.99% | 4.08% | 4.01% | 4.32% | 3.95% | 4.05% |
| ▇▄▁▄▅▆▃█ | Return on Assets (%) | 1.21% | 1.07% | 0.88% | 1.07% | 1.10% | 1.16% | 1.02% | 1.31% |
| ▁▅█▃▂▃▅▂ | Efficiency Ratio (%) | 61.9% | 66.3% | 69.3% | 64.6% | 63.1% | 64.0% | 66.0% | 63.0% |
| ▁▄▄▇▆█▆▅ | Cost of Funds (%) | 0.23% | 0.28% | 0.28% | 0.33% | 0.31% | 0.34% | 0.31% | 0.29% |
| ▁▂▂▄█▃▂▁ | NPA / Assets (%) | 0.67% | 0.70% | 0.68% | 0.77% | 0.98% | 0.73% | 0.70% | 0.63% |
| ▂▁▁▃█▂▁▁ | Net Charge-Off Ratio (%) | 0.55% | 0.53% | 0.51% | 0.63% | 1.04% | 0.59% | 0.52% | 0.48% |
| ▁▁▂▃▄▆▇█ | Tang. Book Value ($M) | $42 | $43 | $43 | $44 | $44 | $45 | $46 | $46 |
| ▄▄▅▄▄▁██ | Gross Loans ($M) | $120 | $120 | $121 | $120 | $120 | $117 | $123 | $123 |
| ▇▁▂▂█▁▁▆ | Total Deposits ($M) | $138 | $128 | $129 | $128 | $140 | $128 | $126 | $135 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 39% |
| Interest-Bearing (core) | 57% |
| Brokered / Other | 4% |