Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.51% | +0.25 | 0.26% |
| Return on Equity (%) | ▲ | 5.03% | +2.34 | 2.69% |
| Net Interest Margin (%) | ▲ | 3.24% | +0.49 | 2.75% |
| Efficiency Ratio (%) | ▲ | 77.64% | -8.98 | 86.62% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.10 | $1 |
| Cost of Funds (%) | ▲ | 1.97% | -0.64 | 2.61% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $396 | +23.40 | $373 |
| Gross Loans ($M) | ▲ | $301 | +23.92 | $277 |
| Loan Growth YoY (%) | ▲ | 94.73% | +5.26 | 89.47% |
| Total Deposits ($M) | ▲ | $314 | +8.33 | $305 |
| Shareholders Equity ($M) | ▲ | $41 | +2.32 | $38 |
| Tang. Book Value ($M) | ▲ | $41 | +2.32 | $38 |
| Loan / Deposit Ratio (%) | ▲ | 94.73% | +5.26 | 89.47% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 4.83% | +1.46 | 3.36% |
| Allowance / Loans (%) | — | 1.15% | -0.11% | 1.26% |
| Net Charge-Off Ratio (%) | ▼ | 6.29% | +1.76 | 4.53% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 13.68% | -0.63 | 14.30% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▁▁▂▄▅█▇ | Net Interest Margin (%) | 2.71% | 2.63% | 2.54% | 2.75% | 2.89% | 3.00% | 3.39% | 3.24% |
| ▂▁▁▃▄▅█▇ | Return on Assets (%) | 0.21% | 0.18% | 0.15% | 0.26% | 0.32% | 0.38% | 0.59% | 0.51% |
| ▇██▆▅▄▁▂ | Efficiency Ratio (%) | 87.9% | 90.7% | 91.7% | 86.6% | 84.6% | 81.8% | 75.6% | 77.6% |
| ██▇▅▃▃▁▁ | Cost of Funds (%) | 2.95% | 3.02% | 2.77% | 2.61% | 2.28% | 2.22% | 1.94% | 1.97% |
| ▁▇▆▁▃▁██ | NPA / Assets (%) | 3.32% | 4.57% | 4.26% | 3.36% | 3.67% | 3.25% | 4.64% | 4.83% |
| ▁█▇▂▃▁██ | Net Charge-Off Ratio (%) | 4.21% | 6.21% | 5.88% | 4.53% | 4.94% | 4.43% | 6.40% | 6.29% |
| ▁▁▁▂▄▆▇█ | Tang. Book Value ($M) | $38 | $38 | $38 | $38 | $39 | $40 | $40 | $41 |
| ▇▅▄▁▂▄▄█ | Gross Loans ($M) | $295 | $290 | $288 | $277 | $280 | $288 | $287 | $301 |
| ▅█▇▁▄▁▂▂ | Total Deposits ($M) | $333 | $355 | $343 | $305 | $327 | $308 | $314 | $314 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 88% |
| C&I / Commercial | 10% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 12% |