Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.37% | +0.88 | 1.49% |
| Return on Equity (%) | ▲ | 15.91% | +3.86 | 12.05% |
| Net Interest Margin (%) | ▲ | 3.10% | +1.13 | 1.97% |
| Efficiency Ratio (%) | ▲ | 2.19% | -1.53 | 3.72% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.55 | $1 |
| Cost of Funds (%) | ▲ | 0.38% | -0.13 | 0.51% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $152 | +1.79 | $150 |
| Gross Loans ($M) | — | $0 | 0.00 | $0 |
| Loan Growth YoY (%) | — | 0.00% | 0.00 | 0.00% |
| Total Deposits ($M) | ▼ | $98 | -6.27 | $105 |
| Shareholders Equity ($M) | ▲ | $23 | +3.31 | $20 |
| Tang. Book Value ($M) | ▲ | $23 | +3.31 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +3.48 | $27 |
| Loan / Deposit Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.00% | — | 0.00% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▅▇█ | Net Interest Margin (%) | 1.06% | 1.19% | 1.80% | 1.97% | 2.15% | 2.29% | 2.66% | 3.10% |
| ▁▁▃▄▅▆▇█ | Return on Assets (%) | 0.77% | 0.90% | 1.35% | 1.49% | 1.62% | 1.78% | 2.01% | 2.37% |
| █▇▄▃▃▂▁▁ | Efficiency Ratio (%) | 7.3% | 6.3% | 4.3% | 3.7% | 3.5% | 3.2% | 2.7% | 2.2% |
| ██▆██▅▇▁ | Cost of Funds (%) | 0.52% | 0.51% | 0.48% | 0.51% | 0.50% | 0.47% | 0.49% | 0.38% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▃▄▆▇██ | Tang. Book Value ($M) | $17 | $17 | $19 | $20 | $21 | $23 | $23 | $23 |
| ▄▄▄▄▄▄▄▄ | Gross Loans ($M) | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| █▃█▃▅▁▇▁ | Total Deposits ($M) | $124 | $106 | $122 | $105 | $111 | $96 | $120 | $98 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 43% |
| Interest-Bearing (core) | 49% |
| Brokered / Other | 8% |