Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.57% | +0.56 | 1.00% |
| Return on Equity (%) | ▲ | 14.79% | +4.39 | 10.40% |
| Net Interest Margin (%) | ▲ | 5.01% | +0.62 | 4.39% |
| Efficiency Ratio (%) | ▲ | 64.01% | -7.34 | 71.35% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.59 | $2 |
| Cost of Funds (%) | ▲ | 1.27% | -0.18 | 1.45% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $470 | +6.86 | $463 |
| Gross Loans ($M) | ▲ | $382 | +36.03 | $346 |
| Loan Growth YoY (%) | ▲ | 96.03% | +7.54 | 88.49% |
| Total Deposits ($M) | ▲ | $393 | +7.16 | $385 |
| Shareholders Equity ($M) | ▲ | $51 | +4.85 | $46 |
| Tang. Book Value ($M) | ▲ | $47 | +4.99 | $42 |
| TBV excl. AOCI ($M)** | ▲ | $50 | +4.10 | $45 |
| Loan / Deposit Ratio (%) | ▲ | 96.03% | +7.54 | 88.49% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.38% | -0.14 | 0.52% |
| Allowance / Loans (%) | — | 1.29% | -0.10% | 1.39% |
| Net Charge-Off Ratio (%) | ▲ | 0.46% | -0.13 | 0.59% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▆▇▇█ | Net Interest Margin (%) | 3.86% | 4.00% | 4.23% | 4.39% | 4.59% | 4.73% | 4.86% | 5.01% |
| ▁▁▄▄▇█▇█ | Return on Assets (%) | 0.56% | 0.68% | 1.03% | 1.00% | 1.43% | 1.46% | 1.43% | 1.57% |
| ██▅▃▂▁▂▁ | Efficiency Ratio (%) | 84.3% | 82.4% | 76.1% | 71.4% | 67.8% | 66.4% | 66.8% | 64.0% |
| ██▇▅▃▂▁▁ | Cost of Funds (%) | 1.62% | 1.60% | 1.54% | 1.45% | 1.39% | 1.35% | 1.26% | 1.27% |
| ▃█▅▄▂▄▃▁ | NPA / Assets (%) | 0.47% | 0.68% | 0.56% | 0.52% | 0.44% | 0.51% | 0.46% | 0.38% |
| ▄█▅▃▂▅▄▁ | Net Charge-Off Ratio (%) | 0.60% | 0.82% | 0.65% | 0.59% | 0.53% | 0.67% | 0.60% | 0.46% |
| ▁▁▂▄▆▇▇█ | Tang. Book Value ($M) | $39 | $39 | $40 | $42 | $44 | $45 | $45 | $47 |
| ▁▂▂▃▄▅▆█ | Gross Loans ($M) | $329 | $340 | $339 | $346 | $352 | $357 | $367 | $382 |
| ▁▁▁▁▃▄█▄ | Total Deposits ($M) | $385 | $387 | $385 | $385 | $390 | $391 | $402 | $393 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 89% |
| C&I / Commercial | 8% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 6% |