Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.14% | -0.01 | 2.15% |
| Return on Equity (%) | ▼ | 9.31% | -0.67 | 9.98% |
| Net Interest Margin (%) | ▲ | 4.67% | +0.21 | 4.46% |
| Efficiency Ratio (%) | ▼ | 53.10% | +2.17 | 50.93% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.01 | $1 |
| Cost of Funds (%) | ▲ | 0.57% | -0.04 | 0.61% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $111 | +2.25 | $108 |
| Gross Loans ($M) | ▼ | $67 | -0.31 | $67 |
| Loan Growth YoY (%) | ▼ | 77.09% | -1.56 | 78.65% |
| Total Deposits ($M) | ▲ | $85 | +1.30 | $84 |
| Shareholders Equity ($M) | ▲ | $25 | +0.91 | $24 |
| Tang. Book Value ($M) | ▲ | $25 | +0.91 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +0.81 | $25 |
| Loan / Deposit Ratio (%) | ▼ | 77.09% | -1.56 | 78.65% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.50% | 0.01% | 1.49% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▅▆█▇ | Net Interest Margin (%) | 4.35% | 4.39% | 4.38% | 4.46% | 4.57% | 4.59% | 4.72% | 4.67% |
| ▁▂▃▄█▄▅▄ | Return on Assets (%) | 2.10% | 2.11% | 2.14% | 2.15% | 2.22% | 2.15% | 2.16% | 2.14% |
| ▁▂▁▂▁▅██ | Efficiency Ratio (%) | 50.8% | 50.9% | 50.5% | 50.9% | 50.7% | 51.9% | 53.3% | 53.1% |
| ▁▅▆█▆▃▅▄ | Cost of Funds (%) | 0.54% | 0.58% | 0.59% | 0.61% | 0.59% | 0.57% | 0.58% | 0.57% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▂▁▃▅▇▆▇█ | Tang. Book Value ($M) | $23 | $23 | $24 | $24 | $25 | $24 | $25 | $25 |
| ▂▁▄▁▇▄█▁ | Gross Loans ($M) | $67 | $67 | $69 | $67 | $70 | $68 | $71 | $67 |
| ███▆▂▅▁▇ | Total Deposits ($M) | $86 | $86 | $87 | $84 | $80 | $83 | $79 | $85 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 18% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 34% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 2% |