Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.38% | +0.51 | 0.87% |
| Return on Equity (%) | ▲ | 13.75% | +4.65 | 9.10% |
| Net Interest Margin (%) | ▲ | 4.38% | +0.30 | 4.08% |
| Efficiency Ratio (%) | ▲ | 60.19% | -13.12 | 73.31% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.33 | $1 |
| Cost of Funds (%) | ▲ | 1.03% | -0.07 | 1.11% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $212 | +10.32 | $201 |
| Gross Loans ($M) | ▲ | $144 | +9.88 | $134 |
| Loan Growth YoY (%) | ▲ | 75.23% | +2.14 | 73.09% |
| Total Deposits ($M) | ▲ | $188 | +8.12 | $180 |
| Shareholders Equity ($M) | ▲ | $22 | +2.04 | $20 |
| Tang. Book Value ($M) | ▲ | $22 | +2.04 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +2.15 | $22 |
| Loan / Deposit Ratio (%) | ▲ | 75.23% | +2.14 | 73.09% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.40% | +0.07 | 0.32% |
| Allowance / Loans (%) | — | 1.33% | -0.16% | 1.49% |
| Net Charge-Off Ratio (%) | ▼ | 0.58% | +0.10 | 0.48% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -18.96 | 18.96% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▄▄▅█ | Net Interest Margin (%) | 3.97% | 3.99% | 3.99% | 4.08% | 4.14% | 4.18% | 4.20% | 4.38% |
| ▁▂▁▄▄▅▇█ | Return on Assets (%) | 0.53% | 0.73% | 0.61% | 0.87% | 0.93% | 0.97% | 1.22% | 1.38% |
| █▇▇▅▄▄▂▁ | Efficiency Ratio (%) | 84.1% | 79.5% | 80.8% | 73.3% | 71.8% | 71.4% | 63.3% | 60.2% |
| ▂▂▄▆█▆▁▁ | Cost of Funds (%) | 1.06% | 1.05% | 1.09% | 1.11% | 1.15% | 1.11% | 1.03% | 1.03% |
| ▁▅▅▄▆█▆▇ | NPA / Assets (%) | 0.22% | 0.33% | 0.34% | 0.32% | 0.37% | 0.44% | 0.37% | 0.40% |
| ▁▅▅▄▆█▆▆ | Net Charge-Off Ratio (%) | 0.31% | 0.50% | 0.52% | 0.48% | 0.56% | 0.68% | 0.57% | 0.58% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $19 | $18 | $19 | $20 | $20 | $21 | $21 | $22 |
| ▁▁▁▂▄▆▅█ | Gross Loans ($M) | $132 | $131 | $130 | $134 | $136 | $140 | $137 | $144 |
| ▁▄▄▅▆█▇█ | Total Deposits ($M) | $167 | $178 | $179 | $180 | $183 | $191 | $187 | $188 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 5% |
| Consumer | 16% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 59% |
| Brokered / Other | 9% |