Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.81% | +0.19 | 1.62% |
| Return on Equity (%) | ▲ | 11.35% | +0.37 | 10.98% |
| Net Interest Margin (%) | ▲ | 4.42% | +0.20 | 4.22% |
| Efficiency Ratio (%) | ▲ | 49.04% | -2.66 | 51.70% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.42 | $1 |
| Cost of Funds (%) | ▲ | 1.30% | -0.10 | 1.40% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $224 | +8.80 | $215 |
| Gross Loans ($M) | ▼ | $145 | -3.77 | $148 |
| Loan Growth YoY (%) | ▼ | 76.20% | -4.15 | 80.34% |
| Total Deposits ($M) | ▲ | $187 | +5.06 | $182 |
| Shareholders Equity ($M) | ▲ | $36 | +3.89 | $32 |
| Tang. Book Value ($M) | ▲ | $36 | +3.89 | $32 |
| TBV excl. AOCI ($M)** | ▲ | $39 | +4.23 | $34 |
| Loan / Deposit Ratio (%) | ▼ | 76.20% | -4.15 | 80.34% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.07% | -0.06 | 0.12% |
| Allowance / Loans (%) | — | 1.60% | -0.03% | 1.62% |
| Net Charge-Off Ratio (%) | ▲ | 0.10% | -0.08 | 0.18% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▇▅██▅█ | Net Interest Margin (%) | 3.87% | 3.93% | 4.34% | 4.22% | 4.45% | 4.39% | 4.19% | 4.42% |
| ▁▁▆▄█▇▃▅ | Return on Assets (%) | 1.20% | 1.22% | 1.90% | 1.62% | 2.23% | 2.01% | 1.50% | 1.81% |
| ██▂▂▁▂▅▁ | Efficiency Ratio (%) | 60.7% | 60.3% | 50.6% | 51.7% | 50.2% | 51.6% | 55.1% | 49.0% |
| ▄█▄▅▄▃▁▁ | Cost of Funds (%) | 1.37% | 1.45% | 1.37% | 1.40% | 1.37% | 1.35% | 1.32% | 1.30% |
| ██▆▅▃▄▂▁ | NPA / Assets (%) | 0.17% | 0.16% | 0.14% | 0.12% | 0.10% | 0.11% | 0.08% | 0.07% |
| ██▆▅▄▄▂▁ | Net Charge-Off Ratio (%) | 0.24% | 0.23% | 0.20% | 0.18% | 0.16% | 0.17% | 0.13% | 0.10% |
| ▁▁▂▄▆▇▇█ | Tang. Book Value ($M) | $30 | $30 | $31 | $32 | $34 | $35 | $35 | $36 |
| ▄███▂▄▁▄ | Gross Loans ($M) | $144 | $148 | $148 | $148 | $142 | $144 | $141 | $145 |
| ▅▁▅▅▆███ | Total Deposits ($M) | $180 | $173 | $181 | $182 | $183 | $186 | $186 | $187 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 99% |
| C&I / Commercial | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 59% |
| Brokered / Other | 9% |