Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.86% | +0.05 | 0.81% |
| Return on Equity (%) | ▲ | 8.32% | +0.18 | 8.14% |
| Net Interest Margin (%) | ▲ | 3.18% | +0.14 | 3.04% |
| Efficiency Ratio (%) | ▲ | 64.86% | -0.04 | 64.89% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.40 | $2 |
| Cost of Funds (%) | ▲ | 1.36% | -0.13 | 1.49% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $730 | +30.93 | $699 |
| Gross Loans ($M) | ▲ | $476 | +18.69 | $458 |
| Loan Growth YoY (%) | ▼ | 72.42% | -0.00 | 72.43% |
| Total Deposits ($M) | ▲ | $649 | +25.84 | $623 |
| Shareholders Equity ($M) | ▲ | $76 | +4.83 | $71 |
| Tang. Book Value ($M) | ▲ | $76 | +4.83 | $71 |
| TBV excl. AOCI ($M)** | ▲ | $82 | +4.70 | $77 |
| Loan / Deposit Ratio (%) | ▼ | 72.42% | -0.00 | 72.43% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.08% | +0.01 | 0.07% |
| Allowance / Loans (%) | — | 1.38% | -0.06% | 1.43% |
| Net Charge-Off Ratio (%) | ▼ | 0.12% | +0.01 | 0.11% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 18.42% | +0.58 | 17.84% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▂▃▄▃█ | Net Interest Margin (%) | 2.99% | 2.99% | 2.99% | 3.04% | 3.05% | 3.07% | 3.05% | 3.18% |
| ▂▁█▂▃▂▂█ | Return on Assets (%) | 0.80% | 0.80% | 0.86% | 0.81% | 0.81% | 0.81% | 0.81% | 0.86% |
| ▄▆▁▄▅▇█▄ | Efficiency Ratio (%) | 64.8% | 65.5% | 63.3% | 64.9% | 65.0% | 65.8% | 66.6% | 64.9% |
| ██▃▅▇▇▂▁ | Cost of Funds (%) | 1.59% | 1.59% | 1.44% | 1.49% | 1.56% | 1.54% | 1.41% | 1.36% |
| █▆█▄█▆▁▅ | NPA / Assets (%) | 0.14% | 0.10% | 0.14% | 0.07% | 0.15% | 0.10% | 0.00% | 0.08% |
| █▆█▄█▆▁▅ | Net Charge-Off Ratio (%) | 0.21% | 0.15% | 0.21% | 0.11% | 0.24% | 0.16% | 0.00% | 0.12% |
| ▃▁▃▄▇▇██ | Tang. Book Value ($M) | $69 | $66 | $69 | $71 | $74 | $74 | $75 | $76 |
| ▃▁▂▄▃▄▅█ | Gross Loans ($M) | $455 | $445 | $452 | $458 | $455 | $457 | $463 | $476 |
| ▁▁▄▅█▇██ | Total Deposits ($M) | $595 | $591 | $619 | $623 | $646 | $636 | $650 | $649 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 95% |
| C&I / Commercial | 4% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 8% |