Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.41% | +0.37 | 0.04% |
| Return on Equity (%) | ▲ | 3.01% | +2.71 | 0.30% |
| Net Interest Margin (%) | ▲ | 3.08% | +0.45 | 2.63% |
| Efficiency Ratio (%) | ▲ | 81.53% | -17.15 | 98.68% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.21 | $0 |
| Cost of Funds (%) | ▲ | 1.63% | -0.23 | 1.87% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $155 | -5.99 | $161 |
| Gross Loans ($M) | ▲ | $108 | +7.98 | $100 |
| Loan Growth YoY (%) | ▲ | 84.43% | +10.61 | 73.82% |
| Total Deposits ($M) | ▼ | $127 | -7.52 | $135 |
| Shareholders Equity ($M) | ▲ | $22 | +1.31 | $20 |
| Tang. Book Value ($M) | ▲ | $22 | +1.32 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $23 | +1.13 | $22 |
| Loan / Deposit Ratio (%) | ▲ | 84.43% | +10.61 | 73.82% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.05% | -0.43 | 0.47% |
| Allowance / Loans (%) | — | 0.65% | -0.02% | 0.67% |
| Net Charge-Off Ratio (%) | ▲ | 0.06% | -0.70 | 0.76% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 22.29% | -1.07 | 23.37% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▅▁▂▃▄▆█ | Net Interest Margin (%) | 2.89% | 2.85% | 2.54% | 2.63% | 2.72% | 2.77% | 2.90% | 3.08% |
| ▆▆▁▃▄▅▇█ | Return on Assets (%) | 0.25% | 0.25% | -0.10% | 0.04% | 0.15% | 0.22% | 0.28% | 0.41% |
| ▃▃█▆▄▃▂▁ | Efficiency Ratio (%) | 88.6% | 88.6% | 106.4% | 98.7% | 93.4% | 90.2% | 87.2% | 81.5% |
| █▆▆▅▄▅▅▁ | Cost of Funds (%) | 2.06% | 1.94% | 1.92% | 1.87% | 1.84% | 1.89% | 1.89% | 1.63% |
| █▃▁▇▇▃▁▁ | NPA / Assets (%) | 0.59% | 0.16% | 0.00% | 0.47% | 0.51% | 0.17% | 0.05% | 0.05% |
| █▃▁▇▇▃▁▁ | Net Charge-Off Ratio (%) | 0.99% | 0.28% | 0.01% | 0.76% | 0.79% | 0.27% | 0.07% | 0.06% |
| ▄▁▂▂▆▇▇█ | Tang. Book Value ($M) | $20 | $20 | $20 | $20 | $21 | $21 | $21 | $22 |
| ▁▁▃▄▆▆▆█ | Gross Loans ($M) | $94 | $95 | $99 | $100 | $104 | $104 | $104 | $108 |
| ▅████▆▁▁ | Total Deposits ($M) | $131 | $134 | $134 | $135 | $134 | $132 | $127 | $127 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 96% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 8% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 24% |