Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | -0.34% | -1.43 | 1.09% |
| Return on Equity (%) | ▼ | -3.32% | -13.85 | 10.53% |
| Net Interest Margin (%) | ▲ | 4.16% | +0.31 | 3.86% |
| Efficiency Ratio (%) | ▼ | 90.24% | +32.53 | 57.71% |
| Pre-Provision Profit ($M) | ▲ | $4 | +0.53 | $4 |
| Cost of Funds (%) | ▲ | 2.33% | -0.31 | 2.64% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $852 | +4.44 | $848 |
| Gross Loans ($M) | ▼ | $654 | -33.04 | $687 |
| Loan Growth YoY (%) | ▼ | 83.83% | -6.41 | 90.24% |
| Total Deposits ($M) | ▲ | $766 | +13.65 | $752 |
| Shareholders Equity ($M) | ▼ | $84 | -6.06 | $90 |
| Tang. Book Value ($M) | ▼ | $84 | -6.06 | $90 |
| Loan / Deposit Ratio (%) | ▼ | 83.83% | -6.41 | 90.24% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.21% | +1.05 | 0.16% |
| Allowance / Loans (%) | — | 1.85% | 0.63% | 1.22% |
| Net Charge-Off Ratio (%) | ▼ | 1.03% | +0.82 | 0.20% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 15.31% | -0.87 | 16.18% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▇██ | Net Interest Margin (%) | 3.23% | 3.31% | 3.69% | 3.86% | 3.92% | 4.01% | 4.24% | 4.16% |
| ██████▁▅ | Return on Assets (%) | 0.83% | 0.85% | 0.96% | 1.09% | 1.10% | 1.11% | -2.21% | -0.34% |
| ▂▂▁▁▁▁█▄ | Efficiency Ratio (%) | 66.4% | 65.2% | 59.0% | 57.7% | 56.2% | 55.8% | 128.1% | 90.2% |
| █▇▅▄▃▂▁▁ | Cost of Funds (%) | 3.19% | 3.01% | 2.79% | 2.64% | 2.53% | 2.49% | 2.28% | 2.33% |
| ▁▃▂▁██▄▆ | NPA / Assets (%) | 0.19% | 0.54% | 0.36% | 0.16% | 1.44% | 1.57% | 0.72% | 1.21% |
| ▁▃▁▁██▃▅ | Net Charge-Off Ratio (%) | 0.24% | 0.65% | 0.39% | 0.20% | 1.82% | 1.69% | 0.67% | 1.03% |
| ▃▃▅▇██▁▃ | Tang. Book Value ($M) | $85 | $85 | $87 | $90 | $92 | $93 | $81 | $84 |
| ▇██▆▇▃▄▁ | Gross Loans ($M) | $696 | $702 | $696 | $687 | $690 | $670 | $674 | $654 |
| ▆▆▂▄█▁█▇ | Total Deposits ($M) | $763 | $762 | $743 | $752 | $775 | $736 | $771 | $766 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 12% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 15% |