Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.87% | +0.17 | 0.69% |
| Return on Equity (%) | ▲ | 6.63% | +1.22 | 5.41% |
| Net Interest Margin (%) | ▲ | 4.09% | +0.41 | 3.68% |
| Efficiency Ratio (%) | ▲ | 73.14% | -2.87 | 76.01% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.12 | $0 |
| Cost of Funds (%) | ▲ | 1.13% | -0.22 | 1.35% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $122 | +4.83 | $117 |
| Gross Loans ($M) | ▲ | $80 | +2.11 | $78 |
| Loan Growth YoY (%) | ▼ | 75.80% | -2.76 | 78.57% |
| Total Deposits ($M) | ▲ | $103 | +6.31 | $97 |
| Shareholders Equity ($M) | ▲ | $16 | +0.79 | $15 |
| Tang. Book Value ($M) | ▲ | $16 | +0.79 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +0.75 | $16 |
| Loan / Deposit Ratio (%) | ▼ | 75.80% | -2.76 | 78.57% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.97% | -0.63 | 1.60% |
| Allowance / Loans (%) | — | 1.51% | -0.02% | 1.53% |
| Net Charge-Off Ratio (%) | ▲ | 1.27% | -0.45 | 1.72% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 24.37% | +0.24 | 24.13% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▅▆▇█ | Net Interest Margin (%) | 3.49% | 3.55% | 3.59% | 3.68% | 3.84% | 3.87% | 3.97% | 4.09% |
| ▁▁▂▁█▆▄█ | Return on Assets (%) | 0.68% | 0.70% | 0.72% | 0.69% | 0.84% | 0.81% | 0.77% | 0.87% |
| █▆▅▇▁▁▆▁ | Efficiency Ratio (%) | 76.7% | 75.8% | 75.2% | 76.0% | 72.9% | 73.3% | 75.4% | 73.1% |
| ▇█▇▆▆▆▂▁ | Cost of Funds (%) | 1.36% | 1.44% | 1.39% | 1.35% | 1.36% | 1.36% | 1.19% | 1.13% |
| ▃█▇▇▁▄▁▂ | NPA / Assets (%) | 1.19% | 1.82% | 1.58% | 1.60% | 0.88% | 1.22% | 0.84% | 0.97% |
| ▄█▃▃▁▄▁▁ | Net Charge-Off Ratio (%) | 1.82% | 2.62% | 1.64% | 1.72% | 1.32% | 1.86% | 1.25% | 1.27% |
| ▄▁▃▅▇█▇█ | Tang. Book Value ($M) | $15 | $14 | $15 | $15 | $15 | $16 | $15 | $16 |
| ▁▅▄▅▇▅██ | Gross Loans ($M) | $75 | $78 | $77 | $78 | $79 | $77 | $80 | $80 |
| ▂▁▂▄▅▄▇█ | Total Deposits ($M) | $95 | $92 | $94 | $97 | $98 | $98 | $102 | $103 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| Consumer | 10% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 31% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 6% |