Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.35% | +0.31 | 1.05% |
| Return on Equity (%) | ▲ | 14.97% | +1.52 | 13.45% |
| Net Interest Margin (%) | ▲ | 3.71% | +0.23 | 3.48% |
| Efficiency Ratio (%) | ▼ | 62.39% | +4.89 | 57.50% |
| Pre-Provision Profit ($M) | ▼ | $1 | -1.36 | $3 |
| Cost of Funds (%) | ▲ | 1.63% | -0.17 | 1.80% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $379 | -6.33 | $385 |
| Gross Loans ($M) | ▼ | $246 | -16.60 | $262 |
| Loan Growth YoY (%) | ▼ | 71.31% | -2.03 | 73.34% |
| Total Deposits ($M) | ▼ | $341 | -10.71 | $352 |
| Shareholders Equity ($M) | ▲ | $36 | +5.09 | $31 |
| Tang. Book Value ($M) | ▲ | $36 | +5.09 | $31 |
| TBV excl. AOCI ($M)** | ▲ | $41 | +5.40 | $35 |
| Loan / Deposit Ratio (%) | ▼ | 71.31% | -2.03 | 73.34% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.61% | +0.61 | 0.00% |
| Allowance / Loans (%) | — | 1.13% | -0.63% | 1.76% |
| Net Charge-Off Ratio (%) | ▼ | 0.94% | +0.94 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▃▄▄▄▇█ | Net Interest Margin (%) | 3.29% | 3.35% | 3.41% | 3.48% | 3.49% | 3.49% | 3.64% | 3.71% |
| ▅▆▁▇▇▇██ | Return on Assets (%) | 0.60% | 0.77% | -0.73% | 1.05% | 1.11% | 1.07% | 1.52% | 1.35% |
| █▇▇▁▁▂▁▃ | Efficiency Ratio (%) | 77.0% | 72.9% | 73.4% | 57.5% | 59.5% | 61.7% | 59.3% | 62.4% |
| ██▅▄▄▅▂▁ | Cost of Funds (%) | 1.99% | 2.00% | 1.86% | 1.80% | 1.78% | 1.84% | 1.68% | 1.63% |
| ▁▁▁▁█▆▇▅ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 1.16% | 0.86% | 0.88% | 0.61% |
| ▁▁▁▁█▇▇▅ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 1.81% | 1.40% | 1.39% | 0.94% |
| ▂▁▁▃▆▇██ | Tang. Book Value ($M) | $30 | $29 | $29 | $31 | $34 | $35 | $36 | $36 |
| ▅▆▆█▆▃▂▁ | Gross Loans ($M) | $255 | $258 | $258 | $262 | $256 | $251 | $249 | $246 |
| ▅▂▃▃▇█▅▁ | Total Deposits ($M) | $359 | $345 | $348 | $352 | $366 | $370 | $356 | $341 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 79% |
| C&I / Commercial | 21% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 8% |