Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.23% | -0.07 | 1.30% |
| Return on Equity (%) | ▼ | 12.41% | -2.12 | 14.53% |
| Net Interest Margin (%) | ▲ | 4.81% | +0.42 | 4.38% |
| Efficiency Ratio (%) | ▼ | 65.93% | +3.29 | 62.64% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.08 | $1 |
| Cost of Funds (%) | ▲ | 1.69% | -0.25 | 1.94% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $173 | +8.32 | $165 |
| Gross Loans ($M) | ▲ | $137 | +9.08 | $128 |
| Loan Growth YoY (%) | ▲ | 92.45% | +5.73 | 86.72% |
| Total Deposits ($M) | ▲ | $146 | +0.64 | $145 |
| Shareholders Equity ($M) | ▲ | $17 | +2.05 | $15 |
| Tang. Book Value ($M) | ▲ | $17 | +2.05 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +1.98 | $17 |
| Loan / Deposit Ratio (%) | ▲ | 92.45% | +5.73 | 86.72% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.59% | +0.38 | 1.21% |
| Allowance / Loans (%) | — | 1.44% | 0.03% | 1.41% |
| Net Charge-Off Ratio (%) | ▼ | 2.02% | +0.89 | 1.12% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▅▆▇█ | Net Interest Margin (%) | 4.21% | 4.25% | 4.20% | 4.38% | 4.55% | 4.63% | 4.71% | 4.81% |
| ▁▁▄▅███▃ | Return on Assets (%) | 1.12% | 1.15% | 1.24% | 1.30% | 1.40% | 1.43% | 1.41% | 1.23% |
| █▆▃▃▁▁▁▇ | Efficiency Ratio (%) | 67.1% | 65.3% | 62.6% | 62.6% | 61.5% | 60.8% | 61.1% | 65.9% |
| ▅█▇▆▃▂▁▁ | Cost of Funds (%) | 1.90% | 2.04% | 1.98% | 1.94% | 1.80% | 1.74% | 1.67% | 1.69% |
| █▆▄▅▁▅▅█ | NPA / Assets (%) | 1.60% | 1.35% | 1.08% | 1.21% | 0.76% | 1.18% | 1.19% | 1.59% |
| █▄▁▂▁▅▅█ | Net Charge-Off Ratio (%) | 1.94% | 1.33% | 0.99% | 1.12% | 0.85% | 1.54% | 1.58% | 2.02% |
| ▁▁▂▄▆▇██ | Tang. Book Value ($M) | $14 | $14 | $15 | $15 | $16 | $17 | $17 | $17 |
| ▁▁▂▄▄▅▆█ | Gross Loans ($M) | $121 | $121 | $123 | $128 | $128 | $129 | $132 | $137 |
| ▁▄▇▇▆▆█▇ | Total Deposits ($M) | $137 | $141 | $146 | $145 | $144 | $144 | $148 | $146 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 17% |
| Consumer | 14% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 12% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 10% |