Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.99% | +0.16 | 0.83% |
| Return on Equity (%) | ▲ | 10.36% | +0.61 | 9.75% |
| Net Interest Margin (%) | ▲ | 4.64% | +0.43 | 4.20% |
| Efficiency Ratio (%) | ▲ | 75.25% | -0.80 | 76.04% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $0 |
| Cost of Funds (%) | ▲ | 1.28% | -0.33 | 1.61% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $230 | +1.01 | $229 |
| Gross Loans ($M) | ▼ | $157 | -1.50 | $159 |
| Loan Growth YoY (%) | ▼ | 75.19% | -0.41 | 75.61% |
| Total Deposits ($M) | ▼ | $206 | -0.79 | $207 |
| Shareholders Equity ($M) | ▲ | $23 | +1.96 | $21 |
| Tang. Book Value ($M) | ▲ | $23 | +1.96 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $25 | +2.27 | $23 |
| Loan / Deposit Ratio (%) | ▼ | 75.19% | -0.41 | 75.61% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.11% | -0.18 | 1.29% |
| Allowance / Loans (%) | — | 1.39% | -0.02% | 1.40% |
| Net Charge-Off Ratio (%) | ▼ | 1.62% | +0.11 | 1.51% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.52% | +0.60 | 13.92% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▂▁▃▄▅██ | Net Interest Margin (%) | 4.17% | 4.14% | 4.01% | 4.20% | 4.29% | 4.33% | 4.60% | 4.64% |
| ▆▄█▅▄▁██ | Return on Assets (%) | 0.88% | 0.77% | 1.01% | 0.83% | 0.78% | 0.60% | 0.99% | 0.99% |
| ▃▅▁▅▅█▃▄ | Efficiency Ratio (%) | 73.6% | 76.8% | 68.8% | 76.0% | 77.5% | 83.0% | 74.0% | 75.2% |
| ▆█▇▅▅▃▁▁ | Cost of Funds (%) | 1.61% | 1.84% | 1.73% | 1.61% | 1.54% | 1.40% | 1.23% | 1.28% |
| ▁▃▄▇▇▇█▆ | NPA / Assets (%) | 0.40% | 0.72% | 0.90% | 1.29% | 1.24% | 1.30% | 1.46% | 1.11% |
| ▁▃▅▅▇▇█▆ | Net Charge-Off Ratio (%) | 0.60% | 1.10% | 1.41% | 1.51% | 1.78% | 1.87% | 2.16% | 1.62% |
| ▂▁▂▃▅▆▆█ | Tang. Book Value ($M) | $20 | $20 | $20 | $21 | $21 | $22 | $22 | $23 |
| ▃▃▁█▄▄▄▆ | Gross Loans ($M) | $156 | $156 | $154 | $159 | $156 | $156 | $156 | $157 |
| ▇██▂▁▁▂▁ | Total Deposits ($M) | $219 | $221 | $222 | $207 | $205 | $206 | $209 | $206 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 88% |
| C&I / Commercial | 7% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 43% |
| Interest-Bearing (core) | 26% |
| Brokered / Other | 31% |