Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.53% | +0.68 | -0.15% |
| Return on Equity (%) | ▲ | 5.44% | +7.14 | -1.70% |
| Net Interest Margin (%) | ▲ | 4.02% | +0.33 | 3.69% |
| Efficiency Ratio (%) | ▲ | 82.98% | -0.64 | 83.62% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.06 | $0 |
| Cost of Funds (%) | ▲ | 1.02% | -0.12 | 1.13% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $314 | -11.49 | $326 |
| Gross Loans ($M) | ▼ | $209 | -3.44 | $212 |
| Loan Growth YoY (%) | ▼ | 77.55% | -1.51 | 79.06% |
| Total Deposits ($M) | ▲ | $267 | +3.93 | $263 |
| Shareholders Equity ($M) | ▲ | $31 | +2.14 | $29 |
| Tang. Book Value ($M) | ▲ | $31 | +2.21 | $29 |
| TBV excl. AOCI ($M)** | ▲ | $35 | +1.77 | $33 |
| Loan / Deposit Ratio (%) | ▼ | 77.55% | -1.51 | 79.06% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.37% | -0.83 | 1.20% |
| Allowance / Loans (%) | — | 0.89% | -1.17% | 2.05% |
| Net Charge-Off Ratio (%) | ▲ | 0.14% | -1.71 | 1.85% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 17.44% | +0.70 | 16.74% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▄▄██ | Net Interest Margin (%) | 3.48% | 3.50% | 3.66% | 3.69% | 3.74% | 3.74% | 3.95% | 4.02% |
| ▇██▁▃▃██ | Return on Assets (%) | 0.42% | 0.54% | 0.48% | -0.15% | 0.08% | 0.06% | 0.55% | 0.53% |
| █▆▁▅▃▄▁▃ | Efficiency Ratio (%) | 84.9% | 84.1% | 82.3% | 83.6% | 83.1% | 83.4% | 82.0% | 83.0% |
| ██▃▄▆▃▁▁ | Cost of Funds (%) | 1.26% | 1.28% | 1.11% | 1.13% | 1.21% | 1.09% | 1.01% | 1.02% |
| ▁▁▁▄▄█▁▁ | NPA / Assets (%) | 0.03% | 0.03% | 0.02% | 1.20% | 1.37% | 2.98% | 0.29% | 0.37% |
| ▁▁▁▄▄█▁▁ | Net Charge-Off Ratio (%) | 0.04% | 0.04% | 0.04% | 1.85% | 2.07% | 4.62% | 0.03% | 0.14% |
| ▇▂▁▂▆█▅█ | Tang. Book Value ($M) | $31 | $28 | $28 | $29 | $30 | $31 | $30 | $31 |
| █▅█▆▃▁▂▄ | Gross Loans ($M) | $217 | $211 | $216 | $212 | $207 | $203 | $206 | $209 |
| ▄█▇▂▁▄▆▄ | Total Deposits ($M) | $267 | $278 | $275 | $263 | $259 | $267 | $271 | $267 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 15% |
| Consumer | 9% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 10% |
| Interest-Bearing (core) | 86% |
| Brokered / Other | 4% |