Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.34% | -0.20 | 0.54% |
| Return on Equity (%) | ▼ | 2.75% | -0.91 | 3.66% |
| Net Interest Margin (%) | ▼ | 4.08% | -0.54 | 4.63% |
| Efficiency Ratio (%) | ▼ | 84.56% | +3.15 | 81.41% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.15 | $1 |
| Cost of Funds (%) | ▼ | 1.96% | +0.20 | 1.76% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $305 | +66.92 | $238 |
| Gross Loans ($M) | ▲ | $215 | +58.65 | $157 |
| Loan Growth YoY (%) | ▲ | 85.21% | +8.88 | 76.32% |
| Total Deposits ($M) | ▲ | $249 | +47.06 | $202 |
| Shareholders Equity ($M) | ▲ | $36 | +1.47 | $34 |
| Tang. Book Value ($M) | ▲ | $36 | +1.47 | $34 |
| TBV excl. AOCI ($M)** | ▲ | $38 | +1.52 | $37 |
| Loan / Deposit Ratio (%) | ▲ | 85.21% | +8.88 | 76.32% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.78% | +1.35 | 0.43% |
| Allowance / Loans (%) | — | 1.43% | -0.16% | 1.59% |
| Net Charge-Off Ratio (%) | ▼ | 2.51% | +1.93 | 0.58% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 15.39% | -4.85 | 20.24% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▆▆█▇▆▁▁ | Net Interest Margin (%) | 4.43% | 4.45% | 4.44% | 4.63% | 4.52% | 4.47% | 4.07% | 4.08% |
| █▇▅█▇▆▁▄ | Return on Assets (%) | 0.57% | 0.47% | 0.40% | 0.54% | 0.47% | 0.43% | 0.13% | 0.34% |
| ▁▂█▁▁▃▇▅ | Efficiency Ratio (%) | 81.1% | 81.9% | 86.8% | 81.4% | 81.4% | 82.8% | 85.9% | 84.6% |
| ▁▂▄▄▆▇▆█ | Cost of Funds (%) | 1.57% | 1.62% | 1.73% | 1.76% | 1.84% | 1.88% | 1.85% | 1.96% |
| ▁▁▁▂▁▁▁█ | NPA / Assets (%) | 0.24% | 0.38% | 0.42% | 0.43% | 0.39% | 0.31% | 0.29% | 1.78% |
| ▁▂▁▁▁▁▁█ | Net Charge-Off Ratio (%) | 0.44% | 0.69% | 0.61% | 0.58% | 0.54% | 0.47% | 0.39% | 2.51% |
| ▂▁▂▄▆▇▇█ | Tang. Book Value ($M) | $33 | $33 | $34 | $34 | $35 | $35 | $35 | $36 |
| ▁▁▃▄▅▅██ | Gross Loans ($M) | $109 | $121 | $137 | $157 | $164 | $174 | $213 | $215 |
| ▁▃▃▄▆▆██ | Total Deposits ($M) | $162 | $188 | $192 | $202 | $223 | $228 | $251 | $249 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 88% |
| C&I / Commercial | 11% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 75% |
| Brokered / Other | 10% |