Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.91% | +0.25 | 0.66% |
| Return on Equity (%) | ▲ | 14.47% | +1.75 | 12.72% |
| Net Interest Margin (%) | ▲ | 3.81% | +0.30 | 3.51% |
| Efficiency Ratio (%) | ▲ | 64.13% | -8.56 | 72.69% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.28 | $1 |
| Cost of Funds (%) | ▲ | 1.84% | -0.12 | 1.96% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $295 | +32.40 | $263 |
| Gross Loans ($M) | ▲ | $171 | +30.92 | $140 |
| Loan Growth YoY (%) | ▲ | 62.97% | +7.44 | 55.54% |
| Total Deposits ($M) | ▲ | $267 | +19.37 | $248 |
| Shareholders Equity ($M) | ▲ | $19 | +4.95 | $14 |
| Tang. Book Value ($M) | ▲ | $19 | +4.95 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +5.01 | $19 |
| Loan / Deposit Ratio (%) | ▲ | 62.97% | +7.44 | 55.54% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.17% | -0.15 | 0.32% |
| Allowance / Loans (%) | — | 1.60% | -0.13% | 1.74% |
| Net Charge-Off Ratio (%) | ▲ | 0.25% | -0.36 | 0.61% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▄▁▃▄▆██ | Net Interest Margin (%) | 3.61% | 3.56% | 3.39% | 3.51% | 3.60% | 3.66% | 3.81% | 3.81% |
| ██▁▂▃▅██ | Return on Assets (%) | 0.89% | 0.91% | 0.60% | 0.66% | 0.71% | 0.77% | 0.88% | 0.91% |
| ▃▂█▇▅▄▁▁ | Efficiency Ratio (%) | 67.5% | 66.6% | 75.2% | 72.7% | 70.7% | 68.8% | 65.0% | 64.1% |
| ▄█▅▄▅▇▁▁ | Cost of Funds (%) | 1.96% | 2.14% | 2.00% | 1.96% | 2.02% | 2.09% | 1.83% | 1.84% |
| ▃▁▅█▂▁▁▃ | NPA / Assets (%) | 0.19% | 0.12% | 0.24% | 0.32% | 0.15% | 0.12% | 0.11% | 0.17% |
| ▅▂▆█▁▁▁▂ | Net Charge-Off Ratio (%) | 0.41% | 0.25% | 0.48% | 0.61% | 0.18% | 0.15% | 0.14% | 0.25% |
| ▅▁▂▂▅▇▇█ | Tang. Book Value ($M) | $16 | $13 | $14 | $14 | $17 | $17 | $18 | $19 |
| ▁▂▃▄▅▆██ | Gross Loans ($M) | $112 | $123 | $132 | $140 | $148 | $152 | $167 | $171 |
| ▂▁▆▅▅▆██ | Total Deposits ($M) | $228 | $221 | $254 | $248 | $244 | $252 | $267 | $267 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 60% |
| C&I / Commercial | 33% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 50% |
| Brokered / Other | 29% |