Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.30% | +0.12 | 1.18% |
| Return on Equity (%) | ▲ | 9.77% | +0.06 | 9.71% |
| Net Interest Margin (%) | ▲ | 4.46% | +0.09 | 4.36% |
| Efficiency Ratio (%) | ▲ | 65.41% | -2.10 | 67.51% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.05 | $1 |
| Cost of Funds (%) | ▼ | 0.61% | +0.03 | 0.58% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $204 | +6.57 | $197 |
| Gross Loans ($M) | ▲ | $106 | +3.87 | $102 |
| Loan Growth YoY (%) | ▲ | 59.65% | +0.92 | 58.74% |
| Total Deposits ($M) | ▲ | $175 | +3.74 | $171 |
| Shareholders Equity ($M) | ▲ | $28 | +2.56 | $25 |
| Tang. Book Value ($M) | ▲ | $28 | +2.56 | $25 |
| TBV excl. AOCI ($M)** | ▲ | $32 | +2.91 | $29 |
| Loan / Deposit Ratio (%) | ▲ | 59.65% | +0.92 | 58.74% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.03% | +0.41 | 0.62% |
| Allowance / Loans (%) | — | 1.30% | 0.02% | 1.28% |
| Net Charge-Off Ratio (%) | ▼ | 1.62% | +0.43 | 1.19% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▇▇████ | Net Interest Margin (%) | 3.70% | 3.83% | 4.27% | 4.36% | 4.40% | 4.43% | 4.39% | 4.46% |
| ▁▂██████ | Return on Assets (%) | -0.60% | -0.12% | 1.24% | 1.18% | 1.33% | 1.30% | 1.29% | 1.30% |
| █▇▃▃▂▂▁▂ | Efficiency Ratio (%) | 74.3% | 72.7% | 67.8% | 67.5% | 65.6% | 65.6% | 64.1% | 65.4% |
| █▃▁▂▁▂▁▃ | Cost of Funds (%) | 0.72% | 0.60% | 0.55% | 0.58% | 0.56% | 0.58% | 0.56% | 0.61% |
| █▃▁▁▄▅▃▆ | NPA / Assets (%) | 1.22% | 0.81% | 0.62% | 0.62% | 0.91% | 0.98% | 0.77% | 1.03% |
| █▃▁▁▅▅▃▄ | Net Charge-Off Ratio (%) | 2.25% | 1.46% | 1.28% | 1.19% | 1.76% | 1.79% | 1.54% | 1.62% |
| ▃▁▃▃████ | Tang. Book Value ($M) | $25 | $24 | $25 | $25 | $27 | $27 | $27 | $28 |
| ▁▂▃▄▅███ | Gross Loans ($M) | $98 | $100 | $101 | $102 | $104 | $107 | $106 | $106 |
| ▁▄█▂▃▃█▄ | Total Deposits ($M) | $169 | $175 | $184 | $171 | $173 | $174 | $184 | $175 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 77% |
| C&I / Commercial | 9% |
| Consumer | 14% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 31% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 8% |