Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.98% | +0.31 | 0.67% |
| Return on Equity (%) | ▲ | 8.34% | +2.40 | 5.94% |
| Net Interest Margin (%) | ▲ | 4.85% | +0.44 | 4.41% |
| Efficiency Ratio (%) | ▲ | 73.25% | -7.30 | 80.54% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.16 | $1 |
| Cost of Funds (%) | ▲ | 1.69% | -0.15 | 1.84% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $237 | +14.93 | $222 |
| Gross Loans ($M) | ▲ | $174 | +14.48 | $159 |
| Loan Growth YoY (%) | ▲ | 83.13% | +1.55 | 81.58% |
| Total Deposits ($M) | ▲ | $207 | +13.76 | $193 |
| Shareholders Equity ($M) | ▲ | $28 | +2.19 | $26 |
| Tang. Book Value ($M) | ▲ | $28 | +2.19 | $26 |
| TBV excl. AOCI ($M)** | ▲ | $30 | +1.67 | $28 |
| Loan / Deposit Ratio (%) | ▲ | 83.13% | +1.55 | 81.58% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.66% | -0.25 | 0.91% |
| Allowance / Loans (%) | — | 1.01% | -0.06% | 1.07% |
| Net Charge-Off Ratio (%) | ▲ | 0.90% | -0.37 | 1.27% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 16.07% | -0.10 | 16.17% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▇▇█ | Net Interest Margin (%) | 3.76% | 3.84% | 4.19% | 4.41% | 4.55% | 4.65% | 4.70% | 4.85% |
| ▁▁▂▃▄▅█▇ | Return on Assets (%) | 0.50% | 0.42% | 0.54% | 0.67% | 0.74% | 0.81% | 1.10% | 0.98% |
| ▇█▆▅▄▃▁▁ | Efficiency Ratio (%) | 85.9% | 88.0% | 83.5% | 80.5% | 78.6% | 77.4% | 71.4% | 73.2% |
| ██▅▄▃▂▁▂ | Cost of Funds (%) | 2.16% | 2.21% | 1.94% | 1.84% | 1.75% | 1.69% | 1.58% | 1.69% |
| ▇▆▆▇▇█▁▄ | NPA / Assets (%) | 0.91% | 0.85% | 0.88% | 0.91% | 0.98% | 1.10% | 0.29% | 0.66% |
| █████▁▁▅ | Net Charge-Off Ratio (%) | 1.28% | 1.27% | 1.31% | 1.27% | 1.35% | 0.37% | 0.39% | 0.90% |
| ▂▁▂▃▆▆██ | Tang. Book Value ($M) | $25 | $25 | $25 | $26 | $27 | $27 | $28 | $28 |
| ▁▁▂▄▅▅▅█ | Gross Loans ($M) | $148 | $149 | $154 | $159 | $164 | $164 | $163 | $174 |
| ▂▁▄▁▁▃█▇ | Total Deposits ($M) | $196 | $195 | $201 | $193 | $195 | $199 | $210 | $207 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 16% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 6% |