Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.52% | +0.06 | 1.45% |
| Return on Equity (%) | ▲ | 13.49% | +0.01 | 13.48% |
| Net Interest Margin (%) | ▲ | 3.43% | +0.17 | 3.27% |
| Efficiency Ratio (%) | ▲ | 55.90% | -0.89 | 56.79% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.04 | $1 |
| Cost of Funds (%) | ▼ | 1.52% | +0.04 | 1.48% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $149 | +4.32 | $145 |
| Gross Loans ($M) | ▲ | $100 | +11.05 | $89 |
| Loan Growth YoY (%) | ▲ | 76.17% | +6.98 | 69.19% |
| Total Deposits ($M) | ▲ | $131 | +2.84 | $128 |
| Shareholders Equity ($M) | ▲ | $17 | +1.42 | $16 |
| Tang. Book Value ($M) | ▲ | $17 | +1.43 | $15 |
| Loan / Deposit Ratio (%) | ▲ | 76.17% | +6.98 | 69.19% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.62% | -0.10% | 0.72% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 21.83% | -0.37 | 22.20% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▅▆▆██ | Net Interest Margin (%) | 3.06% | 3.12% | 3.23% | 3.27% | 3.31% | 3.34% | 3.41% | 3.43% |
| ▁▂▄▆▇▇██ | Return on Assets (%) | 1.34% | 1.37% | 1.41% | 1.45% | 1.49% | 1.49% | 1.50% | 1.52% |
| ▅▃█▃▁▁▃▁ | Efficiency Ratio (%) | 57.4% | 56.8% | 59.0% | 56.8% | 55.8% | 55.7% | 56.8% | 55.9% |
| █▅▁▂█▂▂▅ | Cost of Funds (%) | 1.57% | 1.51% | 1.46% | 1.48% | 1.56% | 1.48% | 1.48% | 1.52% |
| ▁▁▁▁█▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▁█▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.09% | 0.00% | 0.00% | 0.00% |
| ▁▁▂▄▅▆▇█ | Tang. Book Value ($M) | $14 | $15 | $15 | $15 | $16 | $16 | $16 | $17 |
| ▁▂▂▂▃▆▇█ | Gross Loans ($M) | $86 | $89 | $89 | $89 | $91 | $95 | $97 | $100 |
| ▁▄▃▅▆███ | Total Deposits ($M) | $123 | $126 | $125 | $128 | $129 | $131 | $131 | $131 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 94% |
| C&I / Commercial | 2% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 9% |