Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.71% | +0.27 | 0.44% |
| Return on Equity (%) | ▲ | 7.45% | +2.93 | 4.52% |
| Net Interest Margin (%) | ▲ | 2.21% | +0.32 | 1.89% |
| Efficiency Ratio (%) | ▲ | 59.22% | -13.38 | 72.61% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.23 | $0 |
| Cost of Funds (%) | ▲ | 1.96% | -0.04 | 1.99% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $249 | +13.40 | $236 |
| Gross Loans ($M) | ▲ | $124 | +6.94 | $117 |
| Loan Growth YoY (%) | ▲ | 55.22% | +0.38 | 54.84% |
| Total Deposits ($M) | ▲ | $222 | +11.09 | $211 |
| Shareholders Equity ($M) | ▲ | $24 | +2.30 | $22 |
| Tang. Book Value ($M) | ▲ | $24 | +2.30 | $22 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +2.25 | $25 |
| Loan / Deposit Ratio (%) | ▲ | 55.22% | +0.38 | 54.84% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.08 | 0.08% |
| Allowance / Loans (%) | — | 0.55% | -0.02% | 0.57% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.16 | 0.16% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▁▁▁▄▅██ | Net Interest Margin (%) | 1.94% | 1.89% | 1.88% | 1.89% | 2.02% | 2.07% | 2.17% | 2.21% |
| ▁▁▁▁▄▅██ | Return on Assets (%) | 0.45% | 0.41% | 0.42% | 0.44% | 0.54% | 0.59% | 0.73% | 0.71% |
| ▇███▅▄▁▁ | Efficiency Ratio (%) | 71.7% | 74.1% | 73.7% | 72.6% | 66.9% | 65.0% | 57.4% | 59.2% |
| ██▆▂▄▂▁▁ | Cost of Funds (%) | 2.33% | 2.38% | 2.20% | 1.99% | 2.13% | 2.00% | 1.90% | 1.96% |
| █▃▁▅▁▁▁▁ | NPA / Assets (%) | 0.13% | 0.04% | 0.00% | 0.08% | 0.00% | 0.00% | 0.00% | 0.00% |
| █▃▁▆▁▁▁▁ | Net Charge-Off Ratio (%) | 0.24% | 0.07% | 0.00% | 0.16% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▂▁▂▃▅▇▇█ | Tang. Book Value ($M) | $21 | $20 | $21 | $22 | $23 | $23 | $24 | $24 |
| ▁▁▂▄▅▇▇█ | Gross Loans ($M) | $110 | $111 | $113 | $117 | $118 | $121 | $121 | $124 |
| ▁▁▂▆▇▇██ | Total Deposits ($M) | $180 | $183 | $187 | $211 | $215 | $219 | $225 | $222 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 99% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 18% |