Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.45% | +0.33 | 1.12% |
| Return on Equity (%) | ▲ | 22.03% | +7.57 | 14.46% |
| Net Interest Margin (%) | ▼ | 4.27% | -0.02 | 4.29% |
| Efficiency Ratio (%) | ▲ | 64.49% | -6.94 | 71.43% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.03 | $1 |
| Cost of Funds (%) | ▼ | 1.57% | +0.08 | 1.49% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $222 | +18.21 | $204 |
| Gross Loans ($M) | ▲ | $137 | +14.51 | $122 |
| Loan Growth YoY (%) | ▲ | 67.43% | +2.76 | 64.66% |
| Total Deposits ($M) | ▲ | $200 | +13.56 | $186 |
| Shareholders Equity ($M) | ▼ | $15 | -1.42 | $16 |
| Tang. Book Value ($M) | ▼ | $15 | -1.42 | $16 |
| TBV excl. AOCI ($M)** | ▼ | $18 | -1.40 | $19 |
| Loan / Deposit Ratio (%) | ▲ | 67.43% | +2.76 | 64.66% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.55% | +0.22 | 0.33% |
| Allowance / Loans (%) | — | 1.23% | 0.03% | 1.20% |
| Net Charge-Off Ratio (%) | ▼ | 0.89% | +0.35 | 0.54% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 13.57% | -3.56 | 17.12% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▆██▆▅ | Net Interest Margin (%) | 4.05% | 4.04% | 4.18% | 4.29% | 4.40% | 4.41% | 4.30% | 4.27% |
| ▃▃▁▃▅▆█▇ | Return on Assets (%) | 1.10% | 1.11% | 0.87% | 1.12% | 1.26% | 1.32% | 1.56% | 1.45% |
| ▅▅█▆▄▄▁▂ | Efficiency Ratio (%) | 70.8% | 71.0% | 76.5% | 71.4% | 69.3% | 68.4% | 62.7% | 64.5% |
| ▁▃▁▂▁▅▇█ | Cost of Funds (%) | 1.49% | 1.50% | 1.49% | 1.49% | 1.48% | 1.53% | 1.55% | 1.57% |
| ▂▁▁▁▇▇▆█ | NPA / Assets (%) | 0.35% | 0.30% | 0.33% | 0.33% | 0.50% | 0.50% | 0.48% | 0.55% |
| ▂▁▂▁▇▆▆█ | Net Charge-Off Ratio (%) | 0.60% | 0.51% | 0.58% | 0.54% | 0.81% | 0.79% | 0.77% | 0.89% |
| ▆▃▄▅█▁▁▂ | Tang. Book Value ($M) | $17 | $15 | $16 | $16 | $18 | $14 | $14 | $15 |
| ▁▃▃▄▆▇██ | Gross Loans ($M) | $108 | $118 | $118 | $122 | $129 | $132 | $136 | $137 |
| ▁▄▆▅▅▆██ | Total Deposits ($M) | $169 | $184 | $189 | $186 | $187 | $189 | $197 | $200 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 87% |
| C&I / Commercial | 9% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 33% |
| Interest-Bearing (core) | 54% |
| Brokered / Other | 13% |