Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.23% | +0.03 | 0.20% |
| Return on Equity (%) | ▼ | 3.99% | -1.29 | 5.28% |
| Net Interest Margin (%) | ▲ | 2.63% | +0.65 | 1.98% |
| Efficiency Ratio (%) | ▲ | 92.90% | -1.40 | 94.30% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.06 | $0 |
| Cost of Funds (%) | ▲ | 1.88% | -0.72 | 2.60% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $216 | -9.82 | $226 |
| Gross Loans ($M) | ▲ | $72 | +7.59 | $64 |
| Loan Growth YoY (%) | ▲ | 37.27% | +8.07 | 29.21% |
| Total Deposits ($M) | ▼ | $190 | -26.35 | $216 |
| Shareholders Equity ($M) | ▲ | $12 | +4.00 | $8 |
| Tang. Book Value ($M) | ▲ | $12 | +4.00 | $8 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +2.92 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 37.27% | +8.07 | 29.21% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.12% | +0.11 | 0.00% |
| Allowance / Loans (%) | — | 1.26% | -0.18% | 1.45% |
| Net Charge-Off Ratio (%) | ▼ | 0.35% | +0.34 | 0.02% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 18.69% | +0.64 | 18.05% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▄▂▁▂▃██ | Net Interest Margin (%) | 2.30% | 2.23% | 2.07% | 1.98% | 2.08% | 2.17% | 2.58% | 2.63% |
| █▇▂▁▁▄▁▂ | Return on Assets (%) | 0.49% | 0.43% | 0.26% | 0.20% | 0.22% | 0.32% | 0.19% | 0.23% |
| ▁▂▇█▇▅▇█ | Efficiency Ratio (%) | 77.1% | 79.7% | 90.9% | 94.3% | 92.1% | 86.5% | 91.5% | 92.9% |
| ▁▄▃█▆▃▁▂ | Cost of Funds (%) | 1.76% | 2.08% | 2.03% | 2.60% | 2.31% | 2.07% | 1.77% | 1.88% |
| ▁▁▄▁▁▁▂█ | NPA / Assets (%) | 0.00% | 0.00% | 0.06% | 0.00% | 0.01% | 0.01% | 0.03% | 0.12% |
| ▁▁▅▁▁▁▂█ | Net Charge-Off Ratio (%) | 0.00% | 0.01% | 0.20% | 0.02% | 0.02% | 0.04% | 0.09% | 0.35% |
| ▇▂▂▁▆███ | Tang. Book Value ($M) | $12 | $9 | $9 | $8 | $11 | $13 | $13 | $12 |
| ▂▁▆▆▆▆▇█ | Gross Loans ($M) | $51 | $48 | $65 | $64 | $65 | $65 | $66 | $72 |
| ▄█▇█▅▅▁▃ | Total Deposits ($M) | $194 | $214 | $210 | $216 | $198 | $198 | $175 | $190 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 94% |
| C&I / Commercial | 4% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 13% |