Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.13% | +0.31 | 0.82% |
| Return on Equity (%) | ▲ | 13.96% | +2.40 | 11.56% |
| Net Interest Margin (%) | ▲ | 3.25% | +0.36 | 2.89% |
| Efficiency Ratio (%) | ▲ | 64.26% | -7.92 | 72.17% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.25 | $1 |
| Cost of Funds (%) | ▲ | 1.79% | -0.14 | 1.93% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $331 | +17.17 | $314 |
| Gross Loans ($M) | ▲ | $193 | +7.14 | $186 |
| Loan Growth YoY (%) | ▼ | 65.00% | -0.69 | 65.69% |
| Total Deposits ($M) | ▲ | $294 | +13.70 | $280 |
| Shareholders Equity ($M) | ▲ | $27 | +4.01 | $23 |
| Tang. Book Value ($M) | ▲ | $25 | +4.05 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +4.35 | $26 |
| Loan / Deposit Ratio (%) | ▼ | 65.00% | -0.69 | 65.69% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.15% | +0.11 | 0.05% |
| Allowance / Loans (%) | — | 1.06% | 0.06% | 1.00% |
| Net Charge-Off Ratio (%) | ▼ | 0.26% | +0.18 | 0.08% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.44% | +0.08 | 14.37% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▅▆▇█ | Net Interest Margin (%) | 2.50% | 2.54% | 2.76% | 2.89% | 2.93% | 2.98% | 3.15% | 3.25% |
| ▁▁▄▅▆▅██ | Return on Assets (%) | 0.37% | 0.40% | 0.69% | 0.82% | 0.85% | 0.82% | 1.09% | 1.13% |
| ██▅▃▃▄▁▁ | Efficiency Ratio (%) | 86.1% | 85.1% | 76.3% | 72.2% | 71.2% | 72.5% | 64.5% | 64.3% |
| █▆▄▅▄▂▁▃ | Cost of Funds (%) | 2.16% | 1.99% | 1.85% | 1.93% | 1.87% | 1.76% | 1.63% | 1.79% |
| ▄▂▁▁▄▄█▆ | NPA / Assets (%) | 0.11% | 0.07% | 0.03% | 0.05% | 0.10% | 0.10% | 0.22% | 0.15% |
| ▅▂▁▁▄▄█▆ | Net Charge-Off Ratio (%) | 0.21% | 0.12% | 0.04% | 0.08% | 0.18% | 0.18% | 0.37% | 0.26% |
| ▃▁▂▃▅█▇█ | Tang. Book Value ($M) | $21 | $19 | $20 | $21 | $23 | $24 | $24 | $25 |
| ▁▂▃▆▆▆██ | Gross Loans ($M) | $174 | $177 | $181 | $186 | $188 | $186 | $191 | $193 |
| ▄▂▁▁▅▇▇█ | Total Deposits ($M) | $286 | $282 | $280 | $280 | $288 | $291 | $292 | $294 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 93% |
| C&I / Commercial | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 4% |