Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.07% | -0.24 | 1.31% |
| Return on Equity (%) | ▼ | 12.61% | -3.16 | 15.77% |
| Net Interest Margin (%) | ▼ | 3.86% | -0.05 | 3.91% |
| Efficiency Ratio (%) | ▼ | 64.12% | +5.00 | 59.12% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.05 | $1 |
| Cost of Funds (%) | ▲ | 2.02% | -0.10 | 2.12% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $232 | +20.37 | $212 |
| Gross Loans ($M) | ▲ | $190 | +6.28 | $183 |
| Loan Growth YoY (%) | ▼ | 90.00% | -6.48 | 96.49% |
| Total Deposits ($M) | ▲ | $208 | +20.55 | $188 |
| Shareholders Equity ($M) | ▲ | $20 | +2.08 | $18 |
| Tang. Book Value ($M) | ▲ | $20 | +2.08 | $18 |
| Loan / Deposit Ratio (%) | ▼ | 90.00% | -6.48 | 96.49% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.80% | +1.80 | 0.00% |
| Allowance / Loans (%) | — | 1.22% | -0.07% | 1.29% |
| Net Charge-Off Ratio (%) | ▼ | 0.67% | +0.67 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 10.55% | +0.11 | 10.45% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▆███▅▇ | Net Interest Margin (%) | 3.46% | 3.52% | 3.79% | 3.91% | 3.97% | 3.94% | 3.74% | 3.86% |
| ▁▂▇███▄▅ | Return on Assets (%) | 0.82% | 0.88% | 1.23% | 1.31% | 1.29% | 1.25% | 1.05% | 1.07% |
| █▇▁▁▂▂▆▅ | Efficiency Ratio (%) | 68.0% | 66.8% | 60.0% | 59.1% | 60.5% | 60.8% | 65.1% | 64.1% |
| █▇▄▂▃▁▁▁ | Cost of Funds (%) | 2.61% | 2.47% | 2.24% | 2.12% | 2.18% | 1.98% | 2.04% | 2.02% |
| ▁▁▁▁▁▇▄█ | NPA / Assets (%) | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 1.57% | 0.82% | 1.80% |
| ▁▁▁▁▁█▅▃ | Net Charge-Off Ratio (%) | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 1.90% | 1.02% | 0.67% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $17 | $17 | $18 | $18 | $19 | $19 | $20 | $20 |
| ▃▁▁▁▁█▇█ | Gross Loans ($M) | $186 | $184 | $184 | $183 | $184 | $190 | $188 | $190 |
| ▃▃▁▁▂▇██ | Total Deposits ($M) | $194 | $194 | $187 | $188 | $192 | $207 | $210 | $208 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 9% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 12% |