Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.50% | +0.04 | 0.46% |
| Return on Equity (%) | ▼ | 6.06% | -0.05 | 6.11% |
| Net Interest Margin (%) | ▲ | 2.66% | +0.04 | 2.62% |
| Efficiency Ratio (%) | ▲ | 79.98% | -1.35 | 81.33% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.02 | $0 |
| Cost of Funds (%) | ▲ | 1.98% | -0.19 | 2.17% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $317 | +11.07 | $306 |
| Gross Loans ($M) | ▲ | $146 | +3.07 | $143 |
| Loan Growth YoY (%) | ▼ | 58.74% | -0.81 | 59.55% |
| Total Deposits ($M) | ▲ | $245 | +8.32 | $236 |
| Shareholders Equity ($M) | ▲ | $26 | +2.00 | $24 |
| Tang. Book Value ($M) | ▲ | $26 | +2.00 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $33 | +2.47 | $31 |
| Loan / Deposit Ratio (%) | ▼ | 58.74% | -0.81 | 59.55% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 3.03% | +2.21 | 0.82% |
| Allowance / Loans (%) | — | 1.41% | 0.03% | 1.38% |
| Net Charge-Off Ratio (%) | ▼ | 6.52% | +4.82 | 1.71% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.22% | +0.30 | 13.92% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁█▆▄▃▇█ | Net Interest Margin (%) | 2.51% | 2.51% | 2.66% | 2.62% | 2.57% | 2.56% | 2.62% | 2.66% |
| ▁▁▆▇▅▅██ | Return on Assets (%) | 0.30% | 0.31% | 0.44% | 0.46% | 0.40% | 0.42% | 0.49% | 0.50% |
| ██▄▂▄▄▁▁ | Efficiency Ratio (%) | 88.3% | 87.5% | 83.6% | 81.3% | 83.8% | 83.2% | 80.3% | 80.0% |
| ▄▃▁▇█▄▁▃ | Cost of Funds (%) | 2.04% | 1.98% | 1.90% | 2.17% | 2.21% | 2.01% | 1.88% | 1.98% |
| ▁▁▁▁█▁██ | NPA / Assets (%) | 0.74% | 0.75% | 0.78% | 0.82% | 2.81% | 0.81% | 3.01% | 3.03% |
| ▁▁▁▁▇▁██ | Net Charge-Off Ratio (%) | 1.54% | 1.66% | 1.76% | 1.71% | 5.96% | 1.07% | 7.08% | 6.52% |
| ▃▁▃▄▇███ | Tang. Book Value ($M) | $23 | $22 | $23 | $24 | $26 | $27 | $26 | $26 |
| ▅▁▃▇▇▄▂█ | Gross Loans ($M) | $140 | $133 | $137 | $143 | $143 | $139 | $136 | $146 |
| ▁▄▇▅▄▇█▇ | Total Deposits ($M) | $220 | $233 | $244 | $236 | $234 | $245 | $251 | $245 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 94% |
| C&I / Commercial | 4% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 17% |