Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.32% | +0.15 | 1.17% |
| Return on Equity (%) | ▲ | 14.92% | +0.05 | 14.87% |
| Net Interest Margin (%) | ▲ | 5.02% | +0.42 | 4.60% |
| Efficiency Ratio (%) | ▲ | 61.36% | -4.64 | 65.99% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.30 | $1 |
| Cost of Funds (%) | ▲ | 1.13% | -0.03 | 1.16% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $271 | +12.56 | $258 |
| Gross Loans ($M) | ▲ | $233 | +17.57 | $215 |
| Loan Growth YoY (%) | ▲ | 94.76% | +4.33 | 90.43% |
| Total Deposits ($M) | ▲ | $243 | +7.56 | $236 |
| Shareholders Equity ($M) | ▲ | $24 | +2.85 | $21 |
| Tang. Book Value ($M) | ▲ | $23 | +2.87 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $25 | +2.69 | $22 |
| Loan / Deposit Ratio (%) | ▲ | 94.76% | +4.33 | 90.43% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.07 | 0.07% |
| Allowance / Loans (%) | — | 0.90% | 0.02% | 0.87% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -10.69 | 10.69% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▅▅▆██ | Net Interest Margin (%) | 4.04% | 4.21% | 4.54% | 4.60% | 4.63% | 4.72% | 5.01% | 5.02% |
| ▁▃▅▅▄▄██ | Return on Assets (%) | 0.88% | 1.01% | 1.16% | 1.17% | 1.12% | 1.12% | 1.38% | 1.32% |
| █▆▄▄▃▂▁▁ | Efficiency Ratio (%) | 71.7% | 68.8% | 65.4% | 66.0% | 64.7% | 63.1% | 61.6% | 61.4% |
| █▆▄▃▆▆▁▂ | Cost of Funds (%) | 1.29% | 1.22% | 1.17% | 1.16% | 1.23% | 1.22% | 1.09% | 1.13% |
| ▁▁████▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.07% | 0.07% | 0.07% | 0.07% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▃▄▆▇██ | Tang. Book Value ($M) | $19 | $19 | $20 | $21 | $22 | $22 | $23 | $23 |
| ▁▂▃▄▆▆▇█ | Gross Loans ($M) | $204 | $208 | $213 | $215 | $223 | $225 | $227 | $233 |
| ▃▂▁▂▄▂▁█ | Total Deposits ($M) | $237 | $236 | $235 | $236 | $237 | $236 | $234 | $243 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 15% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 3% |