Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.91% | +0.09 | 0.82% |
| Return on Equity (%) | ▲ | 9.01% | +1.31 | 7.70% |
| Net Interest Margin (%) | ▲ | 4.23% | +0.13 | 4.10% |
| Efficiency Ratio (%) | ▲ | 72.66% | -0.44 | 73.10% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.16 | $1 |
| Cost of Funds (%) | ▼ | 2.23% | +0.18 | 2.05% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $191 | +14.42 | $177 |
| Gross Loans ($M) | ▲ | $155 | +8.87 | $146 |
| Loan Growth YoY (%) | ▼ | 97.37% | -12.35 | 109.72% |
| Total Deposits ($M) | ▲ | $157 | +25.56 | $132 |
| Shareholders Equity ($M) | ▲ | $20 | +1.10 | $19 |
| Tang. Book Value ($M) | ▲ | $20 | +1.11 | $19 |
| Loan / Deposit Ratio (%) | ▼ | 97.37% | -12.35 | 109.72% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.35% | -0.16 | 0.50% |
| Allowance / Loans (%) | — | 1.13% | 0.09% | 1.05% |
| Net Charge-Off Ratio (%) | ▲ | 0.43% | -0.18 | 0.61% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.78% | +0.22 | 13.57% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▆▇█▆█ | Net Interest Margin (%) | 3.72% | 3.83% | 3.96% | 4.10% | 4.17% | 4.26% | 4.10% | 4.23% |
| ▁▃▅▇▆█▄█ | Return on Assets (%) | 0.33% | 0.50% | 0.69% | 0.82% | 0.75% | 0.84% | 0.61% | 0.91% |
| █▃▂▁▁▁▃▁ | Efficiency Ratio (%) | 98.8% | 81.2% | 77.7% | 73.1% | 75.3% | 73.0% | 81.2% | 72.7% |
| ▃▁▂▃▄▃▃█ | Cost of Funds (%) | 2.07% | 1.97% | 2.02% | 2.05% | 2.08% | 2.07% | 2.04% | 2.23% |
| █▁▁▁▁▁▁▁ | NPA / Assets (%) | 2.53% | 0.38% | 0.53% | 0.50% | 0.37% | 0.35% | 0.45% | 0.35% |
| █▁▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 3.11% | 0.46% | 0.63% | 0.61% | 0.44% | 0.42% | 0.54% | 0.43% |
| ▁▁▂▄▆▅▆█ | Tang. Book Value ($M) | $18 | $18 | $18 | $19 | $19 | $19 | $19 | $20 |
| ▁▂▁▃▄██▆ | Gross Loans ($M) | $139 | $145 | $140 | $146 | $149 | $158 | $160 | $155 |
| ▂▃▁▂▄▇▇█ | Total Deposits ($M) | $132 | $136 | $127 | $132 | $139 | $150 | $151 | $157 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 91% |
| C&I / Commercial | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 13% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 16% |