Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.24% | -0.04 | 1.28% |
| Return on Equity (%) | ▼ | 9.57% | -1.13 | 10.70% |
| Net Interest Margin (%) | ▲ | 4.33% | +0.33 | 4.01% |
| Efficiency Ratio (%) | ▲ | 56.07% | -1.82 | 57.89% |
| Pre-Provision Profit ($M) | ▲ | $4 | +0.26 | $4 |
| Cost of Funds (%) | ▲ | 1.90% | -0.19 | 2.09% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $899 | +68.19 | $831 |
| Gross Loans ($M) | ▲ | $746 | +48.73 | $697 |
| Loan Growth YoY (%) | ▲ | 108.81% | +3.59 | 105.21% |
| Total Deposits ($M) | ▲ | $680 | +22.37 | $657 |
| Shareholders Equity ($M) | ▲ | $119 | +16.28 | $102 |
| Tang. Book Value ($M) | ▲ | $107 | +4.29 | $102 |
| TBV excl. AOCI ($M)** | ▲ | $111 | +4.36 | $106 |
| Loan / Deposit Ratio (%) | ▲ | 108.81% | +3.59 | 105.21% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.03% | +0.00 | 0.03% |
| Allowance / Loans (%) | — | 0.86% | 0.05% | 0.81% |
| Net Charge-Off Ratio (%) | ▼ | 0.03% | +0.00 | 0.03% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 14.38% | -1.78 | 16.15% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▅▆██ | Net Interest Margin (%) | 3.74% | 3.75% | 3.98% | 4.01% | 4.10% | 4.11% | 4.33% | 4.33% |
| ▁▁▆███▅▇ | Return on Assets (%) | 0.89% | 0.89% | 1.19% | 1.28% | 1.30% | 1.25% | 1.13% | 1.24% |
| ██▃▂▁▁▂▁ | Efficiency Ratio (%) | 65.4% | 64.9% | 59.5% | 57.9% | 57.0% | 57.2% | 58.2% | 56.1% |
| ███▆▄▄▁▁ | Cost of Funds (%) | 2.18% | 2.18% | 2.16% | 2.09% | 2.03% | 2.01% | 1.92% | 1.90% |
| █▅▅▅▁▆▅▅ | NPA / Assets (%) | 0.05% | 0.03% | 0.03% | 0.03% | 0.00% | 0.03% | 0.03% | 0.03% |
| █▅▅▅▁▆▅▅ | Net Charge-Off Ratio (%) | 0.06% | 0.03% | 0.03% | 0.03% | 0.00% | 0.04% | 0.04% | 0.03% |
| ▁▁▃▅▇█▆█ | Tang. Book Value ($M) | $95 | $97 | $99 | $102 | $105 | $108 | $103 | $107 |
| ▁▄▃▃▅▇▆█ | Gross Loans ($M) | $677 | $710 | $701 | $697 | $719 | $729 | $729 | $746 |
| ▁▃▅▄▄█▆▆ | Total Deposits ($M) | $627 | $653 | $667 | $657 | $662 | $701 | $681 | $680 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 93% |
| C&I / Commercial | 6% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 19% |