Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.40% | -0.21 | 0.61% |
| Return on Equity (%) | ▼ | 5.55% | -3.99 | 9.54% |
| Net Interest Margin (%) | ▲ | 3.31% | +0.61 | 2.70% |
| Efficiency Ratio (%) | ▼ | 84.93% | +9.67 | 75.26% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.66 | $1 |
| Cost of Funds (%) | ▲ | 1.86% | -0.18 | 2.04% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $296 | -9.88 | $306 |
| Gross Loans ($M) | ▲ | $207 | +22.41 | $185 |
| Loan Growth YoY (%) | ▲ | 76.65% | +6.61 | 70.05% |
| Total Deposits ($M) | ▲ | $267 | +7.10 | $260 |
| Shareholders Equity ($M) | ▲ | $23 | +2.54 | $20 |
| Tang. Book Value ($M) | ▲ | $23 | +2.54 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $25 | +2.21 | $23 |
| Loan / Deposit Ratio (%) | ▲ | 76.65% | +6.61 | 70.05% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.96% | +1.38 | 0.58% |
| Allowance / Loans (%) | — | 1.09% | -0.24% | 1.34% |
| Net Charge-Off Ratio (%) | ▼ | 1.28% | +0.33 | 0.95% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 10.54% | -0.41 | 10.95% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▄▆▆▇█ | Net Interest Margin (%) | 2.29% | 2.33% | 2.48% | 2.70% | 2.93% | 2.96% | 3.11% | 3.31% |
| ▁▂▄███▅▆ | Return on Assets (%) | -0.19% | -0.06% | 0.13% | 0.61% | 0.63% | 0.56% | 0.30% | 0.40% |
| ███▁▁▁▇▅ | Efficiency Ratio (%) | 90.8% | 89.7% | 91.6% | 75.3% | 75.1% | 75.4% | 89.4% | 84.9% |
| ██▆▄▄▃▁▁ | Cost of Funds (%) | 2.37% | 2.39% | 2.21% | 2.04% | 2.06% | 1.97% | 1.78% | 1.86% |
| ▁▁▁▁▁█▇█ | NPA / Assets (%) | 0.66% | 0.62% | 0.60% | 0.58% | 0.54% | 2.14% | 1.81% | 1.96% |
| ▂▂▂▂▁█▇▃ | Net Charge-Off Ratio (%) | 1.16% | 1.06% | 1.03% | 0.95% | 0.51% | 3.24% | 2.89% | 1.28% |
| ▃▁▁▃▇▇██ | Tang. Book Value ($M) | $20 | $19 | $20 | $20 | $22 | $22 | $22 | $23 |
| ▁▁▁▃▄▇▇█ | Gross Loans ($M) | $178 | $179 | $177 | $185 | $192 | $201 | $200 | $207 |
| ▁▂▂▃▃▃█▄ | Total Deposits ($M) | $245 | $252 | $256 | $260 | $261 | $261 | $292 | $267 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 7% |
| Consumer | 1% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 9% |