Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.67% | -0.11 | 2.79% |
| Return on Equity (%) | ▼ | 20.07% | -3.67 | 23.74% |
| Net Interest Margin (%) | ▼ | 5.39% | -0.15 | 5.54% |
| Efficiency Ratio (%) | ▼ | 53.64% | +1.55 | 52.09% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.02 | $1 |
| Cost of Funds (%) | ▲ | 0.61% | -0.06 | 0.68% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $186 | +2.22 | $184 |
| Gross Loans ($M) | ▲ | $89 | +4.05 | $85 |
| Loan Growth YoY (%) | ▲ | 54.71% | +2.70 | 52.01% |
| Total Deposits ($M) | ▼ | $160 | -0.43 | $161 |
| Shareholders Equity ($M) | ▲ | $25 | +2.66 | $22 |
| Tang. Book Value ($M) | ▲ | $25 | +2.66 | $22 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +2.78 | $25 |
| Loan / Deposit Ratio (%) | ▲ | 54.71% | +2.70 | 52.01% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.08% | +0.02 | 0.06% |
| Allowance / Loans (%) | — | 1.65% | -0.15% | 1.79% |
| Net Charge-Off Ratio (%) | ▼ | 0.17% | +0.03 | 0.14% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 31.65% | -0.93 | 32.59% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▄▄▅▁▂ | Net Interest Margin (%) | 5.77% | 5.75% | 5.38% | 5.54% | 5.54% | 5.57% | 5.33% | 5.39% |
| ▂▁▆▇██▂▅ | Return on Assets (%) | 2.50% | 2.41% | 2.71% | 2.79% | 2.86% | 2.90% | 2.47% | 2.67% |
| ▇█▂▂▁▁▆▃ | Efficiency Ratio (%) | 59.0% | 60.4% | 52.4% | 52.1% | 50.9% | 50.9% | 56.9% | 53.6% |
| █▂▂▇▆▃▁▂ | Cost of Funds (%) | 0.70% | 0.62% | 0.61% | 0.68% | 0.67% | 0.63% | 0.59% | 0.61% |
| ▆▁▁▁▆█▁▃ | NPA / Assets (%) | 0.10% | 0.06% | 0.06% | 0.06% | 0.10% | 0.12% | 0.06% | 0.08% |
| ▅▂▂▁▆█▁▃ | Net Charge-Off Ratio (%) | 0.21% | 0.14% | 0.15% | 0.14% | 0.22% | 0.26% | 0.13% | 0.17% |
| ▆▁▄▃█▇██ | Tang. Book Value ($M) | $24 | $21 | $22 | $22 | $25 | $24 | $25 | $25 |
| ▂▁▁▄▄▅▄█ | Gross Loans ($M) | $83 | $82 | $82 | $85 | $85 | $86 | $85 | $89 |
| ▁▇█▆▃▅▇▆ | Total Deposits ($M) | $150 | $163 | $166 | $161 | $155 | $159 | $163 | $160 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 9% |
| Consumer | 10% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 48% |
| Interest-Bearing (core) | 48% |
| Brokered / Other | 4% |