Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 3.02% | +2.03 | 0.99% |
| Return on Equity (%) | ▲ | 15.09% | +10.19 | 4.90% |
| Net Interest Margin (%) | ▲ | 3.57% | +0.09 | 3.48% |
| Efficiency Ratio (%) | ▲ | 64.10% | -5.72 | 69.82% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.55 | $1 |
| Cost of Funds (%) | ▼ | 1.43% | +0.05 | 1.37% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $503 | +53.55 | $450 |
| Gross Loans ($M) | ▲ | $305 | +12.09 | $293 |
| Loan Growth YoY (%) | ▼ | 77.44% | -5.05 | 82.49% |
| Total Deposits ($M) | ▲ | $389 | +38.67 | $351 |
| Shareholders Equity ($M) | ▲ | $102 | +11.07 | $90 |
| Tang. Book Value ($M) | ▲ | $102 | +11.07 | $90 |
| TBV excl. AOCI ($M)** | ▲ | $110 | +12.65 | $97 |
| Loan / Deposit Ratio (%) | ▼ | 77.44% | -5.05 | 82.49% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.64% | -0.22 | 0.85% |
| Allowance / Loans (%) | — | 1.04% | -0.09% | 1.13% |
| Net Charge-Off Ratio (%) | ▲ | 0.96% | -0.24 | 1.20% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▅▅█ | Net Interest Margin (%) | 3.37% | 3.38% | 3.45% | 3.48% | 3.49% | 3.49% | 3.49% | 3.57% |
| ▄▅▁▄▅▅▄█ | Return on Assets (%) | 1.24% | 1.30% | -0.52% | 0.99% | 1.50% | 1.52% | 1.08% | 3.02% |
| ▆█▅▅▅▇▂▁ | Efficiency Ratio (%) | 70.3% | 73.3% | 69.3% | 69.8% | 68.8% | 71.7% | 65.8% | 64.1% |
| ▁▆▂▂██▆▇ | Cost of Funds (%) | 1.36% | 1.42% | 1.37% | 1.37% | 1.44% | 1.44% | 1.41% | 1.43% |
| █▇▄██▅▁▃ | NPA / Assets (%) | 0.90% | 0.81% | 0.70% | 0.85% | 0.87% | 0.75% | 0.53% | 0.64% |
| █▇▄██▆▁▄ | Net Charge-Off Ratio (%) | 1.25% | 1.15% | 0.99% | 1.20% | 1.24% | 1.11% | 0.77% | 0.96% |
| ▁▁▁▂▄▆▆█ | Tang. Book Value ($M) | $89 | $89 | $89 | $90 | $94 | $97 | $98 | $102 |
| ▁▂▃▃▆███ | Gross Loans ($M) | $287 | $291 | $292 | $293 | $299 | $304 | $303 | $305 |
| ▁▁▃▃▄▆██ | Total Deposits ($M) | $328 | $333 | $347 | $351 | $357 | $373 | $389 | $389 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 91% |
| C&I / Commercial | 2% |
| Consumer | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 9% |