Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.86% | -0.01 | 1.86% |
| Return on Equity (%) | ▼ | 21.22% | -0.72 | 21.94% |
| Net Interest Margin (%) | ▲ | 4.41% | +0.12 | 4.30% |
| Efficiency Ratio (%) | ▲ | 56.43% | -0.45 | 56.88% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.24 | $1 |
| Cost of Funds (%) | ▲ | 1.56% | -0.06 | 1.62% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $227 | +9.50 | $217 |
| Gross Loans ($M) | ▼ | $157 | -0.05 | $157 |
| Loan Growth YoY (%) | ▼ | 78.33% | -3.29 | 81.62% |
| Total Deposits ($M) | ▲ | $199 | +7.93 | $191 |
| Shareholders Equity ($M) | ▲ | $20 | +1.50 | $19 |
| Tang. Book Value ($M) | ▲ | $20 | +1.50 | $19 |
| TBV excl. AOCI ($M)** | ▲ | $22 | +1.96 | $20 |
| Loan / Deposit Ratio (%) | ▼ | 78.33% | -3.29 | 81.62% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.37% | +0.17 | 0.20% |
| Allowance / Loans (%) | — | 1.11% | 0.01% | 1.10% |
| Net Charge-Off Ratio (%) | ▼ | 0.53% | +0.25 | 0.28% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.42% | +0.40 | 13.02% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▆██▇█ | Net Interest Margin (%) | 4.03% | 4.09% | 4.23% | 4.30% | 4.38% | 4.41% | 4.33% | 4.41% |
| ▅▄▇▇██▁▇ | Return on Assets (%) | 1.76% | 1.68% | 1.84% | 1.86% | 1.93% | 1.89% | 1.52% | 1.86% |
| ▄█▂▂▁▂█▁ | Efficiency Ratio (%) | 58.6% | 61.1% | 57.1% | 56.9% | 55.7% | 56.6% | 61.7% | 56.4% |
| ▄▅▁▇██▅▂ | Cost of Funds (%) | 1.59% | 1.60% | 1.55% | 1.62% | 1.64% | 1.64% | 1.60% | 1.56% |
| ▁▃▃▄▄▅▆█ | NPA / Assets (%) | 0.08% | 0.16% | 0.17% | 0.20% | 0.20% | 0.23% | 0.27% | 0.37% |
| ▁▂▃▄▄▅▆█ | Net Charge-Off Ratio (%) | 0.12% | 0.21% | 0.23% | 0.28% | 0.28% | 0.33% | 0.38% | 0.53% |
| ▁▁▃▅▇▅▇█ | Tang. Book Value ($M) | $17 | $17 | $18 | $19 | $19 | $19 | $20 | $20 |
| ▁▃▅▇█▆▇▇ | Gross Loans ($M) | $145 | $150 | $154 | $157 | $160 | $155 | $158 | $157 |
| ▁▁▂▆▇▆▇█ | Total Deposits ($M) | $178 | $176 | $182 | $191 | $195 | $192 | $193 | $199 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 4% |
| Consumer | 2% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 7% |