Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.41% | -0.17 | 1.58% |
| Return on Equity (%) | ▼ | 10.08% | -1.73 | 11.81% |
| Net Interest Margin (%) | ▼ | 3.50% | -0.09 | 3.59% |
| Efficiency Ratio (%) | ▼ | 50.98% | +3.09 | 47.89% |
| Pre-Provision Profit ($M) | ▲ | $6 | +0.39 | $6 |
| Cost of Funds (%) | ▲ | 1.45% | -0.04 | 1.49% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $1,183 | +32.70 | $1,150 |
| Gross Loans ($M) | ▲ | $594 | +10.87 | $583 |
| Loan Growth YoY (%) | ▼ | 58.43% | -0.04 | 58.47% |
| Total Deposits ($M) | ▲ | $1,005 | +19.91 | $985 |
| Shareholders Equity ($M) | ▲ | $170 | +13.64 | $157 |
| Tang. Book Value ($M) | ▲ | $170 | +13.64 | $157 |
| TBV excl. AOCI ($M)** | ▲ | $190 | +14.10 | $176 |
| Loan / Deposit Ratio (%) | ▼ | 58.43% | -0.04 | 58.47% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.81% | +0.52 | 0.29% |
| Allowance / Loans (%) | — | 1.15% | -0.08% | 1.24% |
| Net Charge-Off Ratio (%) | ▼ | 1.18% | +0.70 | 0.48% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▅▅▇██▁▄ | Net Interest Margin (%) | 3.50% | 3.53% | 3.54% | 3.59% | 3.66% | 3.65% | 3.36% | 3.50% |
| ▇▇▇███▁▅ | Return on Assets (%) | 1.53% | 1.52% | 1.53% | 1.58% | 1.62% | 1.57% | 1.17% | 1.41% |
| ▃▁▁▁▁▁█▄ | Efficiency Ratio (%) | 49.8% | 47.3% | 47.8% | 47.9% | 48.1% | 47.7% | 55.2% | 51.0% |
| ██▄▂▄▁▁▁ | Cost of Funds (%) | 1.66% | 1.64% | 1.52% | 1.49% | 1.52% | 1.46% | 1.44% | 1.45% |
| ▂▃▃▂▁▇██ | NPA / Assets (%) | 0.33% | 0.43% | 0.38% | 0.29% | 0.17% | 0.78% | 0.89% | 0.81% |
| ▃▄▃▂▁▇█▆ | Net Charge-Off Ratio (%) | 0.58% | 0.78% | 0.68% | 0.48% | 0.14% | 1.38% | 1.65% | 1.18% |
| ▄▁▂▄▆▆▇█ | Tang. Book Value ($M) | $157 | $147 | $152 | $157 | $163 | $162 | $166 | $170 |
| ▁▂▃▆████ | Gross Loans ($M) | $551 | $562 | $563 | $583 | $594 | $595 | $592 | $594 |
| ▁▃▄▅▄▇█▇ | Total Deposits ($M) | $946 | $971 | $977 | $985 | $980 | $1,007 | $1,023 | $1,005 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 7% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 54% |
| Brokered / Other | 19% |