Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.64% | +0.07 | 1.56% |
| Return on Equity (%) | ▼ | 15.04% | -1.33 | 16.37% |
| Net Interest Margin (%) | ▲ | 4.18% | +0.09 | 4.10% |
| Efficiency Ratio (%) | ▲ | 48.23% | -1.44 | 49.67% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.07 | $1 |
| Cost of Funds (%) | ▲ | 1.16% | -0.06 | 1.22% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $164 | +4.76 | $159 |
| Gross Loans ($M) | ▲ | $101 | +11.04 | $90 |
| Loan Growth YoY (%) | ▲ | 80.17% | +6.96 | 73.21% |
| Total Deposits ($M) | ▲ | $125 | +3.22 | $122 |
| Shareholders Equity ($M) | ▲ | $18 | +2.44 | $16 |
| Tang. Book Value ($M) | ▲ | $18 | +2.44 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +2.34 | $18 |
| Loan / Deposit Ratio (%) | ▲ | 80.17% | +6.96 | 73.21% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.07% | -0.03 | 0.10% |
| Allowance / Loans (%) | — | 0.75% | -0.13% | 0.87% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.17 | 0.17% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 23.15% | -0.08 | 23.24% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▆██▆█ | Net Interest Margin (%) | 3.84% | 3.86% | 3.98% | 4.10% | 4.16% | 4.19% | 4.09% | 4.18% |
| ▁▁▄▆█▇▇█ | Return on Assets (%) | 1.35% | 1.37% | 1.49% | 1.56% | 1.60% | 1.58% | 1.57% | 1.64% |
| ██▄▂▂▃▂▁ | Efficiency Ratio (%) | 54.1% | 53.7% | 51.0% | 49.7% | 49.0% | 50.3% | 49.4% | 48.2% |
| ▆█▇▄▇▆▂▁ | Cost of Funds (%) | 1.26% | 1.31% | 1.29% | 1.22% | 1.29% | 1.27% | 1.19% | 1.16% |
| ▁▂▁▅███▄ | NPA / Assets (%) | 0.00% | 0.03% | 0.00% | 0.10% | 0.16% | 0.16% | 0.17% | 0.07% |
| ▁▂▁▆█▄▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.05% | 0.00% | 0.17% | 0.27% | 0.11% | 0.00% | 0.00% |
| ▃▁▃▄▆▇██ | Tang. Book Value ($M) | $15 | $14 | $15 | $16 | $17 | $17 | $18 | $18 |
| ▂▁▃▅▆▅▆█ | Gross Loans ($M) | $82 | $79 | $86 | $90 | $93 | $90 | $94 | $101 |
| ▁▅▄▇▆▇▇█ | Total Deposits ($M) | $112 | $119 | $118 | $122 | $122 | $122 | $123 | $125 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 94% |
| C&I / Commercial | 4% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 57% |
| Brokered / Other | 17% |