Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.87% | +0.01 | 1.87% |
| Return on Equity (%) | ▼ | 20.26% | -0.33 | 20.59% |
| Net Interest Margin (%) | ▼ | 4.64% | -0.28 | 4.92% |
| Efficiency Ratio (%) | ▲ | 62.18% | -0.78 | 62.96% |
| Pre-Provision Profit ($M) | ▲ | $7 | +0.88 | $6 |
| Cost of Funds (%) | ▼ | 1.67% | +0.05 | 1.62% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $1,416 | +161.21 | $1,255 |
| Gross Loans ($M) | ▲ | $1,101 | +118.63 | $983 |
| Loan Growth YoY (%) | ▼ | 85.61% | -0.67 | 86.29% |
| Total Deposits ($M) | ▲ | $1,274 | +146.65 | $1,128 |
| Shareholders Equity ($M) | ▲ | $128 | +13.80 | $114 |
| Tang. Book Value ($M) | ▲ | $127 | +13.80 | $114 |
| TBV excl. AOCI ($M)** | ▲ | $138 | +15.41 | $123 |
| Loan / Deposit Ratio (%) | ▼ | 85.61% | -0.67 | 86.29% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.56% | +0.32 | 0.23% |
| Allowance / Loans (%) | — | 0.95% | -0.05% | 1.00% |
| Net Charge-Off Ratio (%) | ▼ | 0.54% | +0.44 | 0.10% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.93% | +0.02 | 12.90% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▅▅▆▅▁▁ | Net Interest Margin (%) | 5.18% | 5.15% | 4.88% | 4.92% | 4.99% | 4.92% | 4.56% | 4.64% |
| ▂▄▅▂██▁▃ | Return on Assets (%) | 1.86% | 1.88% | 1.90% | 1.87% | 1.95% | 1.95% | 1.84% | 1.87% |
| █▇▃▃▁▁▄▂ | Efficiency Ratio (%) | 65.9% | 65.1% | 63.1% | 63.0% | 61.6% | 61.5% | 63.2% | 62.2% |
| █▃▁▂▆▄▄▃ | Cost of Funds (%) | 1.83% | 1.67% | 1.58% | 1.62% | 1.76% | 1.68% | 1.70% | 1.67% |
| ▃▂▁▂▁▁▁█ | NPA / Assets (%) | 0.30% | 0.23% | 0.19% | 0.23% | 0.20% | 0.19% | 0.17% | 0.56% |
| ▃▁▁▂▁▁▁█ | Net Charge-Off Ratio (%) | 0.17% | 0.09% | 0.05% | 0.10% | 0.07% | 0.06% | 0.04% | 0.54% |
| ▁▁▂▃▅▇▇█ | Tang. Book Value ($M) | $106 | $106 | $111 | $114 | $119 | $123 | $124 | $127 |
| ▁▃▃▄▃▅▅█ | Gross Loans ($M) | $904 | $960 | $954 | $983 | $968 | $1,019 | $1,026 | $1,101 |
| ▁▃▃▄▄▆▆█ | Total Deposits ($M) | $1,019 | $1,086 | $1,092 | $1,128 | $1,117 | $1,181 | $1,209 | $1,274 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 69% |
| C&I / Commercial | 14% |
| Consumer | 2% |
| Other | 15% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 31% |
| Interest-Bearing (core) | 55% |
| Brokered / Other | 13% |