Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.12% | +0.20 | 0.91% |
| Return on Equity (%) | ▲ | 12.15% | +0.73 | 11.42% |
| Net Interest Margin (%) | ▲ | 3.78% | +0.09 | 3.69% |
| Efficiency Ratio (%) | ▲ | 65.43% | -0.39 | 65.82% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.02 | $1 |
| Cost of Funds (%) | ▼ | 2.00% | +0.11 | 1.89% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $233 | -14.07 | $247 |
| Gross Loans ($M) | ▼ | $164 | -2.12 | $166 |
| Loan Growth YoY (%) | ▲ | 77.43% | +4.92 | 72.51% |
| Total Deposits ($M) | ▼ | $210 | -17.30 | $227 |
| Shareholders Equity ($M) | ▲ | $23 | +3.48 | $19 |
| Tang. Book Value ($M) | ▲ | $23 | +3.48 | $19 |
| TBV excl. AOCI ($M)** | ▲ | $25 | +3.37 | $21 |
| Loan / Deposit Ratio (%) | ▲ | 77.43% | +4.92 | 72.51% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.29% | -0.10 | 0.40% |
| Allowance / Loans (%) | — | 1.07% | 0.07% | 1.00% |
| Net Charge-Off Ratio (%) | ▲ | 0.42% | -0.17 | 0.59% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆▇██▇█ | Net Interest Margin (%) | 3.24% | 3.31% | 3.60% | 3.69% | 3.73% | 3.77% | 3.67% | 3.78% |
| ▁▂▁▅▆▇▅█ | Return on Assets (%) | 0.74% | 0.78% | 0.70% | 0.91% | 0.97% | 1.03% | 0.92% | 1.12% |
| ▆▆█▃▁▁▅▃ | Efficiency Ratio (%) | 69.2% | 68.3% | 71.2% | 65.8% | 63.9% | 63.2% | 68.2% | 65.4% |
| █▆▂▁▄▄▁▃ | Cost of Funds (%) | 2.51% | 2.29% | 1.93% | 1.89% | 2.10% | 2.08% | 1.80% | 2.00% |
| ▁▄▃█▆▇▅▆ | NPA / Assets (%) | 0.03% | 0.17% | 0.15% | 0.40% | 0.27% | 0.32% | 0.23% | 0.29% |
| ▁▃▁█▅▆▅▆ | Net Charge-Off Ratio (%) | 0.04% | 0.24% | 0.04% | 0.59% | 0.35% | 0.44% | 0.34% | 0.42% |
| ▁▁▂▃▅▇▇█ | Tang. Book Value ($M) | $19 | $18 | $19 | $19 | $21 | $22 | $22 | $23 |
| ▁▁▃▄██▇▃ | Gross Loans ($M) | $160 | $158 | $163 | $166 | $174 | $175 | $172 | $164 |
| ▅▄▅██▁▄▅ | Total Deposits ($M) | $212 | $205 | $213 | $227 | $224 | $191 | $207 | $210 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 15% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 57% |
| Brokered / Other | 16% |