Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.16% | +0.23 | 0.94% |
| Return on Equity (%) | ▲ | 12.46% | +2.07 | 10.39% |
| Net Interest Margin (%) | ▲ | 4.97% | +0.63 | 4.34% |
| Efficiency Ratio (%) | ▲ | 67.97% | -3.10 | 71.08% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.34 | $1 |
| Cost of Funds (%) | ▲ | 1.09% | -0.21 | 1.30% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $244 | +11.30 | $233 |
| Gross Loans ($M) | ▲ | $178 | +18.83 | $160 |
| Loan Growth YoY (%) | ▲ | 80.76% | +5.44 | 75.32% |
| Total Deposits ($M) | ▲ | $218 | +9.08 | $209 |
| Shareholders Equity ($M) | ▲ | $23 | +1.79 | $21 |
| Tang. Book Value ($M) | ▲ | $23 | +1.79 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +1.68 | $23 |
| Loan / Deposit Ratio (%) | ▲ | 80.76% | +5.44 | 75.32% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.04% | +0.24 | 0.81% |
| Allowance / Loans (%) | — | 1.15% | -0.08% | 1.23% |
| Net Charge-Off Ratio (%) | ▼ | 1.27% | +0.10 | 1.18% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▃▄▅██ | Net Interest Margin (%) | 4.07% | 4.13% | 4.31% | 4.34% | 4.43% | 4.55% | 4.89% | 4.97% |
| ▁▁▄▄▅▆▆█ | Return on Assets (%) | 0.74% | 0.78% | 0.90% | 0.94% | 0.97% | 1.03% | 1.01% | 1.16% |
| ██▄▄▃▂▃▁ | Efficiency Ratio (%) | 76.0% | 75.6% | 71.5% | 71.1% | 70.5% | 69.1% | 71.0% | 68.0% |
| █▇▅▆▆▄▁▁ | Cost of Funds (%) | 1.43% | 1.37% | 1.30% | 1.30% | 1.32% | 1.25% | 1.11% | 1.09% |
| ▂▁▁▅▇███ | NPA / Assets (%) | 0.52% | 0.45% | 0.43% | 0.81% | 0.92% | 1.08% | 1.01% | 1.04% |
| ▁▁▁▆▇██▇ | Net Charge-Off Ratio (%) | 0.65% | 0.63% | 0.61% | 1.18% | 1.27% | 1.46% | 1.37% | 1.27% |
| ▁▁▂▃▅▇██ | Tang. Book Value ($M) | $20 | $20 | $20 | $21 | $22 | $22 | $22 | $23 |
| ▁▂▂▂▆▇██ | Gross Loans ($M) | $155 | $159 | $160 | $160 | $170 | $175 | $177 | $178 |
| ▁▃▄▆▆▇▇█ | Total Deposits ($M) | $191 | $199 | $202 | $209 | $210 | $212 | $214 | $218 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 89% |
| C&I / Commercial | 2% |
| Consumer | 8% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 7% |