Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.78% | +0.13 | 0.64% |
| Return on Equity (%) | ▲ | 5.13% | +0.96 | 4.17% |
| Net Interest Margin (%) | ▲ | 3.22% | +0.13 | 3.08% |
| Efficiency Ratio (%) | ▲ | 63.10% | -10.13 | 73.23% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.41 | $1 |
| Cost of Funds (%) | ▲ | 3.11% | -0.21 | 3.32% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $423 | +25.61 | $397 |
| Gross Loans ($M) | ▲ | $318 | +23.86 | $294 |
| Loan Growth YoY (%) | ▲ | 98.94% | +1.62 | 97.33% |
| Total Deposits ($M) | ▲ | $318 | +19.03 | $298 |
| Shareholders Equity ($M) | ▲ | $63 | +1.91 | $61 |
| Tang. Book Value ($M) | ▲ | $63 | +1.91 | $61 |
| Loan / Deposit Ratio (%) | ▲ | 98.94% | +1.62 | 97.33% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.64% | -0.04 | 0.68% |
| Allowance / Loans (%) | — | 1.13% | -0.02% | 1.16% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 18.10% | -1.01 | 19.10% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▄▁▃▄▆██ | Net Interest Margin (%) | 3.16% | 3.12% | 3.03% | 3.08% | 3.11% | 3.15% | 3.21% | 3.22% |
| ▇▆▁▄▆▆██ | Return on Assets (%) | 0.75% | 0.70% | 0.55% | 0.64% | 0.71% | 0.70% | 0.76% | 0.78% |
| ▄▅█▇▆▅▃▁ | Efficiency Ratio (%) | 68.9% | 69.4% | 75.3% | 73.2% | 71.2% | 70.4% | 66.6% | 63.1% |
| █▇▆▅▃▁▁▁ | Cost of Funds (%) | 3.52% | 3.43% | 3.40% | 3.32% | 3.25% | 3.14% | 3.13% | 3.11% |
| █▅▅▅▅▃▂▁ | NPA / Assets (%) | 0.71% | 0.68% | 0.68% | 0.68% | 0.68% | 0.67% | 0.65% | 0.64% |
| █▁▁▁▁▃▁▁ | Net Charge-Off Ratio (%) | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $61 | $61 | $61 | $61 | $62 | $62 | $63 | $63 |
| ▁▂▁▁▁▄▆█ | Gross Loans ($M) | $295 | $297 | $293 | $294 | $292 | $303 | $309 | $318 |
| ▂▄▂▁▁▆▆█ | Total Deposits ($M) | $302 | $307 | $302 | $298 | $299 | $310 | $312 | $318 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 63% |
| Consumer | 37% |
| Deposit Mix | % |
|---|---|
| Interest-Bearing (core) | 67% |
| Brokered / Other | 32% |