Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.89% | -0.23 | 1.12% |
| Return on Equity (%) | ▼ | 5.89% | -1.37 | 7.26% |
| Net Interest Margin (%) | ▲ | 3.91% | +0.13 | 3.78% |
| Efficiency Ratio (%) | ▼ | 67.15% | +0.79 | 66.36% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.03 | $0 |
| Cost of Funds (%) | ▲ | 3.14% | -0.08 | 3.22% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $109 | -5.51 | $114 |
| Gross Loans ($M) | ▼ | $94 | -3.46 | $97 |
| Loan Growth YoY (%) | ▲ | 121.12% | +9.55 | 111.57% |
| Total Deposits ($M) | ▼ | $76 | -9.72 | $86 |
| Shareholders Equity ($M) | ▼ | $17 | -1.15 | $18 |
| Tang. Book Value ($M) | ▼ | $17 | -1.15 | $18 |
| Loan / Deposit Ratio (%) | ▲ | 121.12% | +9.55 | 111.57% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.07% | 0.13% | 0.94% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁█▅▆▅▆▇ | Net Interest Margin (%) | 3.49% | 3.54% | 3.97% | 3.78% | 3.82% | 3.76% | 3.85% | 3.91% |
| ▂▃█▅▁▁▂▁ | Return on Assets (%) | 0.94% | 1.03% | 1.38% | 1.12% | 0.85% | 0.87% | 0.96% | 0.89% |
| ▁▂▁▃██▅▅ | Efficiency Ratio (%) | 64.9% | 65.7% | 64.4% | 66.4% | 69.8% | 69.7% | 67.2% | 67.2% |
| ██▄▂▆▇▄▁ | Cost of Funds (%) | 3.57% | 3.54% | 3.34% | 3.22% | 3.41% | 3.47% | 3.34% | 3.14% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▇█▆▇▃▄▁▂ | Tang. Book Value ($M) | $18 | $18 | $18 | $18 | $17 | $17 | $16 | $17 |
| █▄▅▄▅▄▁▂ | Gross Loans ($M) | $108 | $97 | $99 | $97 | $100 | $97 | $90 | $94 |
| █▇▇▆▇█▇▁ | Total Deposits ($M) | $91 | $89 | $88 | $86 | $88 | $90 | $89 | $76 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Deposit Mix | % |
|---|---|
| Interest-Bearing (core) | 72% |
| Brokered / Other | 28% |