Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.70% | +0.53 | 1.17% |
| Return on Equity (%) | ▲ | 18.86% | +5.37 | 13.49% |
| Net Interest Margin (%) | ▲ | 3.25% | +0.54 | 2.71% |
| Efficiency Ratio (%) | ▲ | 46.69% | -9.81 | 56.50% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.89 | $1 |
| Cost of Funds (%) | ▲ | 2.33% | -0.24 | 2.57% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $475 | +41.49 | $434 |
| Gross Loans ($M) | ▲ | $390 | +35.25 | $355 |
| Loan Growth YoY (%) | ▲ | 102.02% | +2.42 | 99.60% |
| Total Deposits ($M) | ▲ | $378 | +25.67 | $353 |
| Shareholders Equity ($M) | ▲ | $44 | +5.55 | $39 |
| Tang. Book Value ($M) | ▲ | $44 | +5.58 | $38 |
| TBV excl. AOCI ($M)** | ▲ | $46 | +5.71 | $41 |
| Loan / Deposit Ratio (%) | ▲ | 102.02% | +2.42 | 99.60% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.02% | -0.31 | 0.33% |
| Allowance / Loans (%) | — | 1.00% | 0.04% | 0.96% |
| Net Charge-Off Ratio (%) | ▲ | 0.02% | -0.38 | 0.40% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.28% | -0.22 | 12.51% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▅▅██ | Net Interest Margin (%) | 2.28% | 2.36% | 2.67% | 2.71% | 2.83% | 2.85% | 3.14% | 3.25% |
| ▁▁▃▄▄▄██ | Return on Assets (%) | 0.85% | 0.89% | 1.16% | 1.17% | 1.23% | 1.24% | 1.65% | 1.70% |
| ██▅▅▅▄▁▁ | Efficiency Ratio (%) | 63.0% | 62.3% | 56.6% | 56.5% | 55.3% | 53.5% | 47.4% | 46.7% |
| █▆▃▄▁▄▁▁ | Cost of Funds (%) | 2.98% | 2.79% | 2.48% | 2.57% | 2.32% | 2.61% | 2.30% | 2.33% |
| ▁▂▇██▇█▁ | NPA / Assets (%) | 0.03% | 0.09% | 0.28% | 0.33% | 0.30% | 0.28% | 0.31% | 0.02% |
| ▁▂▇██▇█▁ | Net Charge-Off Ratio (%) | 0.04% | 0.11% | 0.35% | 0.40% | 0.39% | 0.35% | 0.36% | 0.02% |
| ▂▁▂▄▅▆▇█ | Tang. Book Value ($M) | $36 | $35 | $37 | $38 | $40 | $41 | $42 | $44 |
| ▁▁▂▃▄▇██ | Gross Loans ($M) | $333 | $340 | $343 | $355 | $361 | $384 | $392 | $390 |
| ▁▁▂▁▆██▇ | Total Deposits ($M) | $352 | $355 | $357 | $353 | $377 | $386 | $387 | $378 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 15% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 21% |