Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.51% | +0.22 | 0.29% |
| Return on Equity (%) | ▲ | 5.77% | +2.46 | 3.31% |
| Net Interest Margin (%) | ▲ | 3.38% | +0.52 | 2.86% |
| Efficiency Ratio (%) | ▲ | 81.59% | -6.50 | 88.09% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.46 | $1 |
| Cost of Funds (%) | ▲ | 1.64% | -0.19 | 1.83% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $580 | +26.88 | $553 |
| Gross Loans ($M) | ▲ | $490 | +45.32 | $444 |
| Loan Growth YoY (%) | ▲ | 94.49% | +5.46 | 89.03% |
| Total Deposits ($M) | ▲ | $514 | +19.49 | $494 |
| Shareholders Equity ($M) | ▲ | $52 | +2.81 | $49 |
| Tang. Book Value ($M) | ▲ | $52 | +2.84 | $49 |
| TBV excl. AOCI ($M)** | ▲ | $54 | +2.82 | $51 |
| Loan / Deposit Ratio (%) | ▲ | 94.49% | +5.46 | 89.03% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.39% | -0.03 | 0.42% |
| Allowance / Loans (%) | — | 0.88% | -0.10% | 0.98% |
| Net Charge-Off Ratio (%) | ▲ | 0.47% | -0.01 | 0.48% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 11.24% | -0.51 | 11.75% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▂▃▄██ | Net Interest Margin (%) | 2.69% | 2.72% | 2.82% | 2.86% | 2.89% | 2.97% | 3.36% | 3.38% |
| █▆▁▁▁▂▂▃ | Return on Assets (%) | 0.97% | 0.71% | 0.26% | 0.29% | 0.31% | 0.37% | 0.40% | 0.51% |
| ▁▃████▆▅ | Efficiency Ratio (%) | 71.8% | 78.1% | 88.7% | 88.1% | 87.7% | 86.9% | 82.9% | 81.6% |
| █▆▃▃▂▃▁▁ | Cost of Funds (%) | 2.21% | 2.06% | 1.84% | 1.83% | 1.76% | 1.79% | 1.62% | 1.64% |
| █▅▃▄▃▁▃▃ | NPA / Assets (%) | 0.56% | 0.46% | 0.41% | 0.42% | 0.40% | 0.31% | 0.39% | 0.39% |
| █▅▃▃▃▁▃▃ | Net Charge-Off Ratio (%) | 0.68% | 0.55% | 0.47% | 0.48% | 0.47% | 0.38% | 0.48% | 0.47% |
| ▂▁▁▂▄▆▇█ | Tang. Book Value ($M) | $49 | $48 | $49 | $49 | $50 | $51 | $51 | $52 |
| ▁▁▁▃▄▆▆█ | Gross Loans ($M) | $435 | $428 | $432 | $444 | $458 | $470 | $472 | $490 |
| ▁▂▁▂█▅█▆ | Total Deposits ($M) | $488 | $496 | $488 | $494 | $521 | $510 | $524 | $514 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 94% |
| C&I / Commercial | 5% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 14% |