Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.07% | +0.24 | -0.18% |
| Return on Equity (%) | ▲ | 0.64% | +2.39 | -1.75% |
| Net Interest Margin (%) | ▲ | 2.29% | +0.51 | 1.78% |
| Efficiency Ratio (%) | ▲ | 94.87% | -23.07 | 117.93% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.07 | $0 |
| Cost of Funds (%) | ▲ | 3.16% | -0.26 | 3.43% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $295 | +32.54 | $262 |
| Gross Loans ($M) | ▲ | $233 | +17.91 | $215 |
| Loan Growth YoY (%) | ▼ | 110.27% | -12.17 | 122.44% |
| Total Deposits ($M) | ▲ | $209 | +35.70 | $173 |
| Shareholders Equity ($M) | ▲ | $29 | +1.11 | $28 |
| Tang. Book Value ($M) | ▲ | $29 | +1.11 | $28 |
| TBV excl. AOCI ($M)** | ▲ | $30 | +1.03 | $29 |
| Loan / Deposit Ratio (%) | ▼ | 110.27% | -12.17 | 122.44% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.98% | -0.26% | 1.23% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 15.34% | -0.60 | 15.94% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▄▄▅██ | Net Interest Margin (%) | 1.34% | 1.35% | 1.49% | 1.78% | 1.76% | 1.84% | 2.19% | 2.29% |
| ▁▁▃▆▇███ | Return on Assets (%) | -1.01% | -0.99% | -0.66% | -0.18% | -0.10% | 0.15% | 0.02% | 0.07% |
| ██▆▂▂▁▁▁ | Efficiency Ratio (%) | 187.9% | 180.8% | 154.0% | 117.9% | 115.3% | 100.5% | 97.9% | 94.9% |
| ▇█▃▄▂▃▁▁ | Cost of Funds (%) | 3.79% | 3.92% | 3.37% | 3.43% | 3.26% | 3.36% | 3.08% | 3.16% |
| █▃▁▁▁▁▁▁ | NPA / Assets (%) | 0.07% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| █▃▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.09% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▅▁▁▅▆███ | Tang. Book Value ($M) | $28 | $27 | $27 | $28 | $28 | $29 | $29 | $29 |
| ▅▃▄▁▃▄▆█ | Gross Loans ($M) | $224 | $220 | $223 | $215 | $220 | $223 | $227 | $233 |
| ▄▁▂▁▃▅▇█ | Total Deposits ($M) | $187 | $171 | $176 | $173 | $185 | $191 | $199 | $209 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 97% |
| C&I / Commercial | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 9% |