Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.25% | +0.04 | 0.20% |
| Return on Equity (%) | ▲ | 1.53% | +0.23 | 1.30% |
| Net Interest Margin (%) | ▲ | 3.28% | +0.18 | 3.09% |
| Efficiency Ratio (%) | ▲ | 90.61% | -3.83 | 94.44% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.10 | $0 |
| Cost of Funds (%) | ▲ | 1.33% | -0.13 | 1.46% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $146 | +0.00 | $146 |
| Gross Loans ($M) | ▼ | $111 | -11.93 | $123 |
| Loan Growth YoY (%) | ▼ | 90.83% | -9.46 | 100.29% |
| Total Deposits ($M) | ▼ | $121 | -0.36 | $121 |
| Shareholders Equity ($M) | ▲ | $24 | +0.39 | $23 |
| Tang. Book Value ($M) | ▲ | $24 | +0.41 | $23 |
| Loan / Deposit Ratio (%) | ▼ | 90.83% | -9.46 | 100.29% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.39% | +0.14 | 0.25% |
| Allowance / Loans (%) | — | 1.16% | 0.01% | 1.15% |
| Net Charge-Off Ratio (%) | ▼ | 0.51% | +0.22 | 0.29% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▂▃▆██ | Net Interest Margin (%) | 3.04% | 3.04% | 3.07% | 3.09% | 3.12% | 3.20% | 3.25% | 3.28% |
| ▁▁▄▆▅▇▁█ | Return on Assets (%) | 0.10% | 0.11% | 0.17% | 0.20% | 0.19% | 0.22% | 0.10% | 0.25% |
| ██▇▇▅▁▆▁ | Efficiency Ratio (%) | 95.3% | 95.2% | 94.6% | 94.4% | 93.1% | 90.9% | 93.8% | 90.6% |
| ██▅▅▄▂▁▁ | Cost of Funds (%) | 1.56% | 1.54% | 1.47% | 1.46% | 1.44% | 1.39% | 1.35% | 1.33% |
| ▂▁▁▄▄▅█▆ | NPA / Assets (%) | 0.08% | 0.03% | 0.02% | 0.25% | 0.25% | 0.29% | 0.52% | 0.39% |
| ▁▁▁▄▄▅█▇ | Net Charge-Off Ratio (%) | 0.09% | 0.04% | 0.02% | 0.29% | 0.30% | 0.36% | 0.64% | 0.51% |
| ▁▁▂▄▅▇▇█ | Tang. Book Value ($M) | $23 | $23 | $23 | $23 | $23 | $24 | $24 | $24 |
| ██▇▆▅▄▂▁ | Gross Loans ($M) | $128 | $126 | $125 | $123 | $121 | $120 | $114 | $111 |
| ██▆▂▁▁▂▁ | Total Deposits ($M) | $126 | $126 | $124 | $121 | $121 | $120 | $122 | $121 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 99% |
| C&I / Commercial | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 4% |
| Interest-Bearing (core) | 92% |
| Brokered / Other | 4% |