Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.35% | +0.11 | 2.24% |
| Return on Equity (%) | ▲ | 24.64% | +0.13 | 24.51% |
| Net Interest Margin (%) | ▲ | 4.37% | +0.05 | 4.33% |
| Efficiency Ratio (%) | ▲ | 45.19% | -4.22 | 49.41% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.23 | $1 |
| Cost of Funds (%) | ▼ | 0.75% | +0.17 | 0.58% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $213 | +14.85 | $198 |
| Gross Loans ($M) | ▲ | $104 | +5.89 | $98 |
| Loan Growth YoY (%) | ▼ | 53.82% | -0.65 | 54.47% |
| Total Deposits ($M) | ▲ | $191 | +12.88 | $178 |
| Shareholders Equity ($M) | ▲ | $20 | +1.90 | $19 |
| Tang. Book Value ($M) | ▲ | $20 | +1.90 | $19 |
| TBV excl. AOCI ($M)** | ▲ | $25 | +2.76 | $23 |
| Loan / Deposit Ratio (%) | ▼ | 53.82% | -0.65 | 54.47% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.44% | -0.03 | 0.46% |
| Allowance / Loans (%) | — | 1.03% | 0.06% | 0.97% |
| Net Charge-Off Ratio (%) | ▲ | 0.89% | -0.04 | 0.94% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▅▁▅██▃▆ | Net Interest Margin (%) | 4.32% | 4.34% | 4.21% | 4.33% | 4.42% | 4.44% | 4.28% | 4.37% |
| ▆█▁▂▃▄▃▄ | Return on Assets (%) | 2.43% | 2.58% | 2.17% | 2.24% | 2.29% | 2.32% | 2.30% | 2.35% |
| ▂▁███▆▅▂ | Efficiency Ratio (%) | 45.5% | 44.5% | 49.7% | 49.4% | 49.3% | 48.2% | 47.4% | 45.2% |
| ▁▁▆▆▄▂▇█ | Cost of Funds (%) | 0.24% | 0.24% | 0.61% | 0.58% | 0.48% | 0.35% | 0.63% | 0.75% |
| ▇█▅▂▂▁▁▂ | NPA / Assets (%) | 0.73% | 0.83% | 0.66% | 0.46% | 0.44% | 0.42% | 0.38% | 0.44% |
| ▇█▇▂▁▁▁▁ | Net Charge-Off Ratio (%) | 1.43% | 1.59% | 1.42% | 0.94% | 0.83% | 0.80% | 0.82% | 0.89% |
| ▂▁▃▅▇▅▇█ | Tang. Book Value ($M) | $17 | $16 | $18 | $19 | $20 | $19 | $20 | $20 |
| ▁▁▃▅▄▆██ | Gross Loans ($M) | $91 | $92 | $95 | $98 | $97 | $99 | $103 | $104 |
| ▁▁▆▄▁▂█▇ | Total Deposits ($M) | $162 | $159 | $186 | $178 | $163 | $169 | $200 | $191 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 95% |
| C&I / Commercial | 1% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 4% |