Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.67% | +0.59 | 2.08% |
| Return on Equity (%) | ▲ | 13.24% | +2.46 | 10.78% |
| Net Interest Margin (%) | ▲ | 5.97% | +1.13 | 4.84% |
| Efficiency Ratio (%) | ▲ | 43.89% | -5.54 | 49.43% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.05 | $1 |
| Cost of Funds (%) | ▼ | 1.05% | +0.01 | 1.04% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $136 | -0.60 | $137 |
| Gross Loans ($M) | ▲ | $92 | +7.41 | $84 |
| Loan Growth YoY (%) | ▲ | 85.61% | +9.12 | 76.50% |
| Total Deposits ($M) | ▼ | $105 | -2.99 | $108 |
| Shareholders Equity ($M) | ▲ | $28 | +2.17 | $26 |
| Tang. Book Value ($M) | ▲ | $28 | +2.17 | $26 |
| TBV excl. AOCI ($M)** | ▲ | $30 | +2.36 | $28 |
| Loan / Deposit Ratio (%) | ▲ | 85.61% | +9.12 | 76.50% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.25% | -0.75 | 1.00% |
| Allowance / Loans (%) | — | 1.76% | -0.02% | 1.78% |
| Net Charge-Off Ratio (%) | ▲ | 0.37% | -1.26 | 1.62% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 29.15% | +0.45 | 28.70% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▁▁▁▁█▅ | Net Interest Margin (%) | 4.98% | 5.17% | 4.80% | 4.84% | 5.02% | 5.08% | 7.03% | 5.97% |
| ▁▁▃▃▃▂█▅ | Return on Assets (%) | 1.35% | 1.51% | 2.15% | 2.08% | 1.93% | 1.85% | 3.53% | 2.67% |
| ██▅▄▆▇▁▂ | Efficiency Ratio (%) | 61.3% | 61.1% | 51.6% | 49.4% | 54.1% | 56.0% | 39.1% | 43.9% |
| █▄▃▁▁▁▁▂ | Cost of Funds (%) | 1.32% | 1.16% | 1.11% | 1.04% | 1.02% | 1.02% | 1.01% | 1.05% |
| ▄▂▁█▁▂▁▁ | NPA / Assets (%) | 0.61% | 0.34% | 0.32% | 1.00% | 0.31% | 0.35% | 0.23% | 0.25% |
| ▅▂▂█▂▂▁▁ | Net Charge-Off Ratio (%) | 1.07% | 0.58% | 0.59% | 1.62% | 0.53% | 0.57% | 0.41% | 0.37% |
| ▁▁▁▂▅▇▇█ | Tang. Book Value ($M) | $26 | $26 | $26 | $26 | $27 | $28 | $28 | $28 |
| ▁▂▂▅▅▆▃█ | Gross Loans ($M) | $72 | $75 | $76 | $84 | $82 | $85 | $79 | $92 |
| ▁▁█▇█▇█▅ | Total Deposits ($M) | $98 | $98 | $111 | $108 | $110 | $109 | $110 | $105 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 70% |
| C&I / Commercial | 24% |
| Consumer | 2% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 5% |