Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.14% | +0.35 | 1.79% |
| Return on Equity (%) | ▲ | 12.95% | +2.07 | 10.88% |
| Net Interest Margin (%) | ▲ | 4.27% | +0.28 | 3.98% |
| Efficiency Ratio (%) | ▲ | 39.69% | -2.17 | 41.86% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.33 | $2 |
| Cost of Funds (%) | ▲ | 2.22% | -0.04 | 2.26% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $328 | +24.63 | $303 |
| Gross Loans ($M) | ▲ | $284 | +23.16 | $261 |
| Loan Growth YoY (%) | ▼ | 108.17% | -0.40 | 108.58% |
| Total Deposits ($M) | ▲ | $260 | +22.24 | $238 |
| Shareholders Equity ($M) | ▲ | $56 | +5.28 | $51 |
| Tang. Book Value ($M) | ▲ | $56 | +5.28 | $51 |
| Loan / Deposit Ratio (%) | ▼ | 108.17% | -0.40 | 108.58% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.05 | 0.05% |
| Allowance / Loans (%) | — | 0.83% | -0.05% | 0.88% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.05 | 0.05% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▆▆▇██ | Net Interest Margin (%) | 3.40% | 3.50% | 3.82% | 3.98% | 4.04% | 4.11% | 4.16% | 4.27% |
| ▁▁▂▄▅▆▇█ | Return on Assets (%) | 1.53% | 1.59% | 1.62% | 1.79% | 1.89% | 1.95% | 2.05% | 2.14% |
| █▇▅▃▂▁▂▁ | Efficiency Ratio (%) | 47.9% | 46.2% | 44.3% | 41.9% | 40.3% | 38.6% | 40.5% | 39.7% |
| █▅▂▂▂▁▁▁ | Cost of Funds (%) | 2.42% | 2.34% | 2.27% | 2.26% | 2.26% | 2.22% | 2.22% | 2.22% |
| ▄▅█▃█▁▁▁ | NPA / Assets (%) | 0.08% | 0.11% | 0.18% | 0.05% | 0.19% | 0.00% | 0.00% | 0.00% |
| ▄▅█▂█▁▁▁ | Net Charge-Off Ratio (%) | 0.10% | 0.13% | 0.22% | 0.05% | 0.22% | 0.00% | 0.00% | 0.00% |
| ▁▁▂▃▅▅▇█ | Tang. Book Value ($M) | $48 | $48 | $50 | $51 | $53 | $53 | $55 | $56 |
| ▁▁▂▄▇▇▇█ | Gross Loans ($M) | $239 | $243 | $248 | $261 | $273 | $278 | $275 | $284 |
| ▁▂▃▃▇███ | Total Deposits ($M) | $223 | $231 | $237 | $238 | $256 | $263 | $260 | $260 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 96% |
| C&I / Commercial | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 13% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 19% |