Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.47% | -0.17 | 1.65% |
| Return on Equity (%) | ▼ | 14.08% | -0.94 | 15.02% |
| Net Interest Margin (%) | ▼ | 5.31% | -0.01 | 5.32% |
| Efficiency Ratio (%) | ▼ | 60.48% | +6.95 | 53.52% |
| Pre-Provision Profit ($M) | ▼ | $3 | -0.71 | $4 |
| Cost of Funds (%) | ▼ | 1.03% | +0.04 | 1.00% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $523 | -12.41 | $535 |
| Gross Loans ($M) | ▲ | $376 | +6.06 | $370 |
| Loan Growth YoY (%) | ▲ | 80.26% | +2.08 | 78.18% |
| Total Deposits ($M) | ▼ | $459 | -4.58 | $463 |
| Shareholders Equity ($M) | ▼ | $56 | -3.28 | $60 |
| Tang. Book Value ($M) | ▼ | $56 | -3.28 | $60 |
| TBV excl. AOCI ($M)** | ▼ | $62 | -3.21 | $65 |
| Loan / Deposit Ratio (%) | ▲ | 80.26% | +2.08 | 78.18% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.45% | +0.32 | 1.13% |
| Allowance / Loans (%) | — | 2.19% | -0.01% | 2.20% |
| Net Charge-Off Ratio (%) | ▼ | 2.02% | +0.39 | 1.63% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 14.77% | -1.83 | 16.60% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▇▄▅▇█▁▄ | Net Interest Margin (%) | 5.32% | 5.38% | 5.31% | 5.32% | 5.37% | 5.42% | 5.22% | 5.31% |
| ▄▃▅██▇▁▃ | Return on Assets (%) | 1.50% | 1.47% | 1.54% | 1.65% | 1.68% | 1.64% | 1.37% | 1.47% |
| ▃▃▄▁▁▃█▇ | Efficiency Ratio (%) | 56.2% | 55.8% | 56.9% | 53.5% | 53.6% | 55.9% | 61.9% | 60.5% |
| ▅▁▅▂▁▄█▄ | Cost of Funds (%) | 1.05% | 0.96% | 1.06% | 1.00% | 0.97% | 1.03% | 1.12% | 1.03% |
| ▂▁▁▆████ | NPA / Assets (%) | 0.57% | 0.39% | 0.34% | 1.13% | 1.56% | 1.52% | 1.54% | 1.45% |
| ▂▁▁▆████ | Net Charge-Off Ratio (%) | 0.75% | 0.55% | 0.48% | 1.63% | 2.23% | 2.08% | 2.15% | 2.02% |
| ▅▃▄▆█▁▂▄ | Tang. Book Value ($M) | $58 | $55 | $57 | $60 | $63 | $52 | $54 | $56 |
| ▁▃▅▆█▇▆█ | Gross Loans ($M) | $357 | $363 | $369 | $370 | $375 | $374 | $370 | $376 |
| ▁▄▆██▄▆▇ | Total Deposits ($M) | $432 | $445 | $452 | $463 | $463 | $446 | $455 | $459 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 62% |
| C&I / Commercial | 24% |
| Consumer | 14% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 37% |
| Interest-Bearing (core) | 49% |
| Brokered / Other | 13% |