Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 3.21% | +0.22 | 2.98% |
| Return on Equity (%) | ▼ | 23.75% | -0.40 | 24.15% |
| Net Interest Margin (%) | ▲ | 5.68% | +0.14 | 5.55% |
| Efficiency Ratio (%) | ▲ | 42.42% | -2.22 | 44.63% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.09 | $1 |
| Cost of Funds (%) | ▼ | 1.09% | +0.03 | 1.06% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $158 | +4.67 | $153 |
| Gross Loans ($M) | ▲ | $115 | +3.12 | $112 |
| Loan Growth YoY (%) | ▲ | 83.31% | +0.55 | 82.76% |
| Total Deposits ($M) | ▲ | $136 | +2.50 | $133 |
| Shareholders Equity ($M) | ▲ | $22 | +2.25 | $19 |
| Tang. Book Value ($M) | ▲ | $22 | +2.25 | $19 |
| Loan / Deposit Ratio (%) | ▲ | 83.31% | +0.55 | 82.76% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.77% | -0.58 | 1.34% |
| Allowance / Loans (%) | — | 1.60% | 0.23% | 1.37% |
| Net Charge-Off Ratio (%) | ▲ | 1.06% | -0.79 | 1.84% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 19.57% | +1.37 | 18.20% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▁▅██▇█ | Net Interest Margin (%) | 5.38% | 5.46% | 5.42% | 5.55% | 5.71% | 5.70% | 5.65% | 5.68% |
| ▂▁▁▄▇▃▇█ | Return on Assets (%) | 2.86% | 2.80% | 2.84% | 2.98% | 3.12% | 2.93% | 3.14% | 3.21% |
| ▇█▇▅▃▄▂▁ | Efficiency Ratio (%) | 45.6% | 46.5% | 45.7% | 44.6% | 43.5% | 44.0% | 43.3% | 42.4% |
| ▂▇█▆▇▁██ | Cost of Funds (%) | 1.00% | 1.06% | 1.08% | 1.06% | 1.06% | 0.98% | 1.07% | 1.09% |
| ▄▆▆██▆▅▁ | NPA / Assets (%) | 1.04% | 1.20% | 1.19% | 1.34% | 1.37% | 1.16% | 1.09% | 0.77% |
| ▅█▇██▄▄▁ | Net Charge-Off Ratio (%) | 1.47% | 1.75% | 1.70% | 1.84% | 1.76% | 1.38% | 1.44% | 1.06% |
| ▁▁▃▃▆▆█▇ | Tang. Book Value ($M) | $18 | $18 | $20 | $19 | $21 | $21 | $22 | $22 |
| ▃▁▃▆▅▇▆█ | Gross Loans ($M) | $108 | $105 | $109 | $112 | $111 | $113 | $111 | $115 |
| ▅▅▆▄▁██▇ | Total Deposits ($M) | $134 | $134 | $135 | $133 | $129 | $137 | $138 | $136 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 9% |
| Consumer | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 2% |