Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.70% | +0.17 | 0.53% |
| Return on Equity (%) | ▲ | 2.62% | +0.54 | 2.08% |
| Net Interest Margin (%) | ▲ | 4.62% | +0.42 | 4.20% |
| Efficiency Ratio (%) | ▲ | 76.56% | -4.56 | 81.12% |
| Pre-Provision Profit ($M) | ▲ | $2 | +1.06 | $1 |
| Cost of Funds (%) | ▲ | 2.25% | -0.59 | 2.84% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $518 | +7.49 | $510 |
| Gross Loans ($M) | ▲ | $385 | +27.54 | $357 |
| Loan Growth YoY (%) | ▲ | 101.19% | +7.26 | 93.93% |
| Total Deposits ($M) | ▼ | $374 | -0.01 | $374 |
| Shareholders Equity ($M) | ▲ | $140 | +8.56 | $131 |
| Tang. Book Value ($M) | ▲ | $139 | +9.10 | $130 |
| Loan / Deposit Ratio (%) | ▲ | 101.19% | +7.26 | 93.93% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 5.71% | +2.99 | 2.72% |
| Allowance / Loans (%) | — | 1.65% | -0.02% | 1.67% |
| Net Charge-Off Ratio (%) | ▼ | 7.69% | +4.43 | 3.26% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 43.31% | +1.11 | 42.20% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▃▁▂▆▅▁█ | Net Interest Margin (%) | 4.12% | 4.23% | 4.09% | 4.20% | 4.45% | 4.36% | 4.07% | 4.62% |
| ██▄▂▅▄▁▅ | Return on Assets (%) | 0.92% | 0.94% | 0.64% | 0.53% | 0.69% | 0.66% | 0.43% | 0.70% |
| ▁▁▅▇▅▅█▆ | Efficiency Ratio (%) | 64.6% | 65.3% | 76.0% | 81.1% | 74.8% | 75.9% | 83.6% | 76.6% |
| ██▆▆▃▃▁▁ | Cost of Funds (%) | 3.13% | 3.13% | 2.88% | 2.84% | 2.57% | 2.52% | 2.34% | 2.25% |
| ▁▁▁▂▃▆█▆ | NPA / Assets (%) | 1.21% | 1.37% | 1.60% | 2.72% | 3.38% | 5.85% | 7.52% | 5.71% |
| ▁▁▁▂▄▇█▆ | Net Charge-Off Ratio (%) | 1.75% | 1.39% | 1.75% | 3.26% | 4.71% | 8.32% | 10.14% | 7.69% |
| ▁▂▃▁▂▂██ | Tang. Book Value ($M) | $131 | $132 | $133 | $130 | $131 | $132 | $138 | $139 |
| ▆▃▁▁▆▃██ | Gross Loans ($M) | $376 | $363 | $355 | $357 | $377 | $366 | $382 | $385 |
| █▅▄▁▄▃▁▁ | Total Deposits ($M) | $408 | $392 | $389 | $374 | $387 | $381 | $371 | $374 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 98% |
| C&I / Commercial | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 9% |
| Interest-Bearing (core) | 55% |
| Brokered / Other | 36% |