Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.14% | +0.18 | 1.95% |
| Return on Equity (%) | ▲ | 26.02% | +0.64 | 25.38% |
| Net Interest Margin (%) | ▲ | 5.00% | +0.28 | 4.72% |
| Efficiency Ratio (%) | ▲ | 58.62% | -1.65 | 60.27% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.14 | $1 |
| Cost of Funds (%) | ▲ | 1.10% | -0.12 | 1.22% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $145 | +15.61 | $129 |
| Gross Loans ($M) | ▲ | $104 | +16.92 | $87 |
| Loan Growth YoY (%) | ▲ | 77.44% | +4.73 | 72.71% |
| Total Deposits ($M) | ▲ | $133 | +14.53 | $118 |
| Shareholders Equity ($M) | ▲ | $12 | +1.10 | $11 |
| Tang. Book Value ($M) | ▲ | $12 | +1.13 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $13 | +1.04 | $12 |
| Loan / Deposit Ratio (%) | ▲ | 77.44% | +4.73 | 72.71% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.70% | +0.23 | 0.47% |
| Allowance / Loans (%) | — | 1.37% | -0.17% | 1.54% |
| Net Charge-Off Ratio (%) | ▼ | 0.97% | +0.28 | 0.69% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 17.46% | -1.37 | 18.84% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▃▁▄▆▇▆█ | Net Interest Margin (%) | 4.68% | 4.65% | 4.48% | 4.72% | 4.85% | 4.92% | 4.81% | 5.00% |
| ▂▁▁▅▆▆▄█ | Return on Assets (%) | 1.84% | 1.80% | 1.76% | 1.95% | 2.02% | 2.01% | 1.91% | 2.14% |
| ██▇▃▃▄▅▁ | Efficiency Ratio (%) | 62.8% | 63.3% | 62.4% | 60.3% | 60.0% | 60.7% | 61.4% | 58.6% |
| ▃▃▇█▂▂▃▁ | Cost of Funds (%) | 1.14% | 1.13% | 1.20% | 1.22% | 1.12% | 1.12% | 1.13% | 1.10% |
| ▁▅▄▂▂▁▁█ | NPA / Assets (%) | 0.42% | 0.57% | 0.52% | 0.47% | 0.45% | 0.40% | 0.42% | 0.70% |
| ▂█▆▃▂▁▁█ | Net Charge-Off Ratio (%) | 0.66% | 0.96% | 0.84% | 0.69% | 0.65% | 0.57% | 0.59% | 0.97% |
| ▅▁▃▄████ | Tang. Book Value ($M) | $11 | $9 | $10 | $10 | $11 | $12 | $11 | $12 |
| ▁▁▃▄▄▆██ | Gross Loans ($M) | $75 | $77 | $84 | $87 | $89 | $97 | $101 | $104 |
| ▁▅▆▄▃▆██ | Total Deposits ($M) | $106 | $120 | $123 | $118 | $116 | $123 | $131 | $133 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 93% |
| C&I / Commercial | 3% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 39% |
| Interest-Bearing (core) | 55% |
| Brokered / Other | 6% |