Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.29% | +0.20 | 1.09% |
| Return on Equity (%) | ▲ | 13.50% | +1.38 | 12.12% |
| Net Interest Margin (%) | ▲ | 3.98% | +0.29 | 3.68% |
| Efficiency Ratio (%) | ▲ | 64.86% | -2.06 | 66.92% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.04 | $1 |
| Cost of Funds (%) | ▼ | 1.86% | +0.01 | 1.85% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $216 | +2.08 | $214 |
| Gross Loans ($M) | ▲ | $150 | +8.92 | $141 |
| Loan Growth YoY (%) | ▲ | 81.87% | +3.52 | 78.36% |
| Total Deposits ($M) | ▲ | $181 | +3.03 | $178 |
| Shareholders Equity ($M) | ▲ | $21 | +1.51 | $20 |
| Tang. Book Value ($M) | ▲ | $18 | +1.51 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +1.42 | $18 |
| Loan / Deposit Ratio (%) | ▲ | 81.87% | +3.52 | 78.36% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.79% | +0.00 | 0.79% |
| Allowance / Loans (%) | — | 0.97% | 0.06% | 0.91% |
| Net Charge-Off Ratio (%) | ▲ | 1.14% | -0.06 | 1.19% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 16.62% | +0.36 | 16.26% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▇██ | Net Interest Margin (%) | 3.26% | 3.32% | 3.55% | 3.68% | 3.77% | 3.81% | 3.90% | 3.98% |
| ▁▁▄▅▇▇██ | Return on Assets (%) | 0.87% | 0.82% | 1.05% | 1.09% | 1.18% | 1.21% | 1.30% | 1.29% |
| ██▅▃▂▁▁▁ | Efficiency Ratio (%) | 72.6% | 71.8% | 69.1% | 66.9% | 65.4% | 65.1% | 64.2% | 64.9% |
| ▇▅▁▃█▆▃▄ | Cost of Funds (%) | 1.91% | 1.89% | 1.81% | 1.85% | 1.94% | 1.90% | 1.86% | 1.86% |
| █▆▆▄▁▁▃▄ | NPA / Assets (%) | 1.15% | 0.95% | 0.97% | 0.79% | 0.53% | 0.56% | 0.76% | 0.79% |
| █▆▆▄▁▁▃▄ | Net Charge-Off Ratio (%) | 1.81% | 1.44% | 1.48% | 1.19% | 0.73% | 0.79% | 1.06% | 1.14% |
| ▄▁▃▄▇▆▇█ | Tang. Book Value ($M) | $16 | $15 | $16 | $16 | $17 | $17 | $17 | $18 |
| ▁▁▂▄███▇ | Gross Loans ($M) | $133 | $135 | $137 | $141 | $152 | $153 | $154 | $150 |
| ▃▁▁▆▄▇██ | Total Deposits ($M) | $174 | $171 | $172 | $178 | $176 | $180 | $182 | $181 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 4% |
| Consumer | 10% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 6% |