Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.23% | +0.02 | 0.21% |
| Return on Equity (%) | ▲ | 2.55% | +0.12 | 2.43% |
| Net Interest Margin (%) | ▲ | 1.32% | +0.04 | 1.28% |
| Efficiency Ratio (%) | ▲ | 76.48% | -1.27 | 77.74% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.01 | $0 |
| Cost of Funds (%) | ▼ | 2.98% | +0.12 | 2.85% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $104 | -2.00 | $106 |
| Gross Loans ($M) | ▲ | $84 | +1.24 | $83 |
| Loan Growth YoY (%) | ▲ | 88.99% | +3.39 | 85.60% |
| Total Deposits ($M) | ▼ | $94 | -2.27 | $96 |
| Shareholders Equity ($M) | ▲ | $9 | +0.26 | $9 |
| Tang. Book Value ($M) | ▲ | $9 | +0.26 | $9 |
| Loan / Deposit Ratio (%) | ▲ | 88.99% | +3.39 | 85.60% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.56% | -0.56 | 1.11% |
| Allowance / Loans (%) | — | 0.43% | -0.01% | 0.44% |
| Net Charge-Off Ratio (%) | ▲ | 0.69% | -0.74 | 1.43% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 18.64% | +0.71 | 17.93% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▃▁▃▄▅█▅ | Net Interest Margin (%) | 1.30% | 1.29% | 1.25% | 1.28% | 1.30% | 1.32% | 1.36% | 1.32% |
| ▆█▁▄▄▇▃▅ | Return on Assets (%) | 0.24% | 0.26% | 0.17% | 0.21% | 0.21% | 0.24% | 0.20% | 0.23% |
| ▁▁█▄▄▄█▃ | Efficiency Ratio (%) | 74.8% | 74.5% | 81.2% | 77.7% | 77.6% | 77.1% | 80.6% | 76.5% |
| ▃▄▂▂▃▄▁█ | Cost of Funds (%) | 2.87% | 2.90% | 2.85% | 2.85% | 2.88% | 2.89% | 2.83% | 2.98% |
| ▁▁▁█▃▁▁▁ | NPA / Assets (%) | 0.61% | 0.60% | 0.60% | 1.11% | 0.74% | 0.56% | 0.56% | 0.56% |
| ▁▁▁█▃▁▁▁ | Net Charge-Off Ratio (%) | 0.74% | 0.74% | 0.75% | 1.43% | 0.92% | 0.68% | 0.69% | 0.69% |
| ▁▂▃▄▅▆▇█ | Tang. Book Value ($M) | $9 | $9 | $9 | $9 | $9 | $9 | $9 | $9 |
| █▆▄▁▅▇▅▃ | Gross Loans ($M) | $86 | $85 | $84 | $83 | $84 | $85 | $84 | $84 |
| █▅███▂▅▁ | Total Deposits ($M) | $96 | $95 | $96 | $96 | $96 | $94 | $95 | $94 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Deposit Mix | % |
|---|---|
| Interest-Bearing (core) | 100% |