Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.22% | -0.19 | 2.41% |
| Return on Equity (%) | ▼ | 19.16% | -2.52 | 21.68% |
| Net Interest Margin (%) | ▲ | 4.09% | +0.07 | 4.01% |
| Efficiency Ratio (%) | ▼ | 44.90% | +3.11 | 41.79% |
| Pre-Provision Profit ($M) | ▼ | $6 | -0.06 | $6 |
| Cost of Funds (%) | ▼ | 1.20% | +0.02 | 1.18% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $998 | +37.31 | $961 |
| Gross Loans ($M) | ▲ | $787 | +64.49 | $722 |
| Loan Growth YoY (%) | ▲ | 91.74% | +7.23 | 84.51% |
| Total Deposits ($M) | ▲ | $846 | +3.16 | $843 |
| Shareholders Equity ($M) | ▲ | $114 | +4.76 | $110 |
| Tang. Book Value ($M) | ▲ | $113 | +4.87 | $109 |
| TBV excl. AOCI ($M)** | ▲ | $119 | +4.17 | $115 |
| Loan / Deposit Ratio (%) | ▲ | 91.74% | +7.23 | 84.51% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.32% | -0.03% | 1.35% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -14.43 | 14.43% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▅▃▅██ | Net Interest Margin (%) | 3.91% | 3.95% | 4.01% | 4.01% | 3.98% | 4.03% | 4.11% | 4.09% |
| █▂█▆▃▃▁▁ | Return on Assets (%) | 2.48% | 2.28% | 2.51% | 2.41% | 2.33% | 2.33% | 2.24% | 2.22% |
| ▁▁▁▃▅▄██ | Efficiency Ratio (%) | 40.5% | 40.9% | 40.9% | 41.8% | 43.2% | 42.2% | 44.8% | 44.9% |
| ██▁▆▆▅▆▇ | Cost of Funds (%) | 1.24% | 1.25% | 1.02% | 1.18% | 1.18% | 1.15% | 1.17% | 1.20% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▃▁▃▅▇███ | Tang. Book Value ($M) | $106 | $103 | $107 | $109 | $112 | $113 | $113 | $113 |
| ▁▁▁▃▅▆▇█ | Gross Loans ($M) | $697 | $694 | $694 | $722 | $749 | $753 | $764 | $787 |
| █▁▆▂▅▃▃▂ | Total Deposits ($M) | $906 | $828 | $881 | $843 | $874 | $854 | $853 | $846 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 98% |
| C&I / Commercial | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 33% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 5% |