Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.37% | +0.18 | 2.19% |
| Return on Equity (%) | ▲ | 22.08% | +0.73 | 21.35% |
| Net Interest Margin (%) | ▲ | 4.52% | +0.25 | 4.27% |
| Efficiency Ratio (%) | ▲ | 42.50% | -3.29 | 45.78% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.25 | $1 |
| Cost of Funds (%) | ▲ | 1.24% | -0.13 | 1.36% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $233 | +6.83 | $226 |
| Gross Loans ($M) | ▲ | $179 | +8.23 | $171 |
| Loan Growth YoY (%) | ▲ | 85.91% | +1.82 | 84.10% |
| Total Deposits ($M) | ▲ | $206 | +5.03 | $201 |
| Shareholders Equity ($M) | ▲ | $25 | +1.75 | $23 |
| Tang. Book Value ($M) | ▲ | $25 | +1.75 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +2.04 | $24 |
| Loan / Deposit Ratio (%) | ▲ | 85.91% | +1.82 | 84.10% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.10% | -0.03 | 0.13% |
| Allowance / Loans (%) | — | 1.32% | 0.08% | 1.24% |
| Net Charge-Off Ratio (%) | ▲ | 0.13% | -0.04 | 0.17% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 15.08% | -0.18 | 15.26% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▄▁▃▄▅▅█ | Net Interest Margin (%) | 4.33% | 4.30% | 4.12% | 4.27% | 4.29% | 4.35% | 4.34% | 4.52% |
| ▄▁█▅▅▃██ | Return on Assets (%) | 2.17% | 2.00% | 2.36% | 2.19% | 2.19% | 2.10% | 2.33% | 2.37% |
| ▆█▂▅▅▇▁▂ | Efficiency Ratio (%) | 46.8% | 49.0% | 43.1% | 45.8% | 45.6% | 47.4% | 41.5% | 42.5% |
| ▂▃▂██▇▁▁ | Cost of Funds (%) | 1.26% | 1.29% | 1.26% | 1.36% | 1.36% | 1.34% | 1.25% | 1.24% |
| ▃▅█▂▁▁▁▁ | NPA / Assets (%) | 0.14% | 0.18% | 0.25% | 0.13% | 0.10% | 0.10% | 0.10% | 0.10% |
| ▂▄█▂▁▁▁▁ | Net Charge-Off Ratio (%) | 0.18% | 0.23% | 0.34% | 0.17% | 0.14% | 0.13% | 0.13% | 0.13% |
| ▁▃▁▃▅█▆█ | Tang. Book Value ($M) | $22 | $23 | $23 | $23 | $24 | $25 | $25 | $25 |
| ▁▂▁▃▂▅▇█ | Gross Loans ($M) | $168 | $170 | $169 | $171 | $170 | $175 | $177 | $179 |
| ▁▂▇▅█▇█▇ | Total Deposits ($M) | $192 | $196 | $206 | $201 | $208 | $206 | $210 | $206 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 92% |
| C&I / Commercial | 6% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 31% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 6% |