Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.71% | +0.08 | 0.62% |
| Return on Equity (%) | ▲ | 7.01% | +0.56 | 6.45% |
| Net Interest Margin (%) | ▲ | 4.21% | +0.05 | 4.16% |
| Efficiency Ratio (%) | ▲ | 74.20% | -1.26 | 75.46% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $1 |
| Cost of Funds (%) | ▲ | 0.99% | -0.07 | 1.07% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $385 | +19.51 | $365 |
| Gross Loans ($M) | ▼ | $217 | -9.65 | $227 |
| Loan Growth YoY (%) | ▼ | 63.63% | -6.78 | 70.40% |
| Total Deposits ($M) | ▲ | $338 | +17.94 | $320 |
| Shareholders Equity ($M) | ▲ | $39 | +2.82 | $36 |
| Tang. Book Value ($M) | ▲ | $39 | +2.82 | $36 |
| TBV excl. AOCI ($M)** | ▲ | $44 | +3.63 | $40 |
| Loan / Deposit Ratio (%) | ▼ | 63.63% | -6.78 | 70.40% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.39% | -0.04 | 1.43% |
| Allowance / Loans (%) | — | 0.94% | 0.32% | 0.62% |
| Net Charge-Off Ratio (%) | ▼ | 1.73% | +0.14 | 1.59% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 15.47% | +1.03 | 14.45% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▆▇▆█▆▇ | Net Interest Margin (%) | 3.84% | 3.87% | 4.13% | 4.16% | 4.11% | 4.26% | 4.15% | 4.21% |
| ▆▃▅▅▁███ | Return on Assets (%) | 0.66% | 0.55% | 0.61% | 0.62% | 0.47% | 0.73% | 0.73% | 0.71% |
| ▃▄█▇▄▁█▄ | Efficiency Ratio (%) | 73.8% | 74.2% | 75.6% | 75.5% | 74.0% | 72.7% | 75.9% | 74.2% |
| ██▃▂▃▂▁▁ | Cost of Funds (%) | 1.33% | 1.34% | 1.08% | 1.07% | 1.12% | 1.06% | 1.01% | 0.99% |
| █▆▆▄▅▃▁▄ | NPA / Assets (%) | 2.02% | 1.64% | 1.69% | 1.43% | 1.53% | 1.28% | 0.98% | 1.39% |
| █▃▄▄▄▂▁▄ | Net Charge-Off Ratio (%) | 2.59% | 1.56% | 1.66% | 1.59% | 1.76% | 1.31% | 0.96% | 1.73% |
| ▂▁▂▄▅▇▇█ | Tang. Book Value ($M) | $35 | $34 | $35 | $36 | $37 | $38 | $38 | $39 |
| █▇▆▆▆▅▃▁ | Gross Loans ($M) | $232 | $229 | $227 | $227 | $227 | $226 | $221 | $217 |
| ▂▁▂▃▄▆▇█ | Total Deposits ($M) | $317 | $312 | $317 | $320 | $323 | $329 | $333 | $338 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 14% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 10% |