Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.49% | -0.17 | 0.66% |
| Return on Equity (%) | ▼ | 1.96% | -0.68 | 2.64% |
| Net Interest Margin (%) | ▲ | 4.00% | +0.02 | 3.99% |
| Efficiency Ratio (%) | ▼ | 81.06% | +4.85 | 76.21% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.15 | $0 |
| Cost of Funds (%) | ▲ | 2.06% | -0.16 | 2.22% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $112 | -12.68 | $125 |
| Gross Loans ($M) | ▼ | $97 | -10.30 | $107 |
| Loan Growth YoY (%) | ▼ | 118.26% | -0.66 | 118.92% |
| Total Deposits ($M) | ▼ | $81 | -8.17 | $89 |
| Shareholders Equity ($M) | ▲ | $30 | +0.28 | $29 |
| Tang. Book Value ($M) | ▲ | $29 | +0.28 | $28 |
| Loan / Deposit Ratio (%) | ▼ | 118.26% | -0.66 | 118.92% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.49% | -0.09 | 0.58% |
| Allowance / Loans (%) | — | 1.50% | 0.10% | 1.40% |
| Net Charge-Off Ratio (%) | ▲ | 0.57% | -0.11 | 0.68% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 33.86% | +3.46 | 30.40% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▆▄▁▁▄▅ | Net Interest Margin (%) | 4.11% | 4.06% | 4.04% | 3.99% | 3.88% | 3.91% | 3.98% | 4.00% |
| ▆▁▇▇▇▁█▄ | Return on Assets (%) | 0.60% | 0.26% | 0.64% | 0.66% | 0.67% | 0.31% | 0.74% | 0.49% |
| ▄█▂▁▁▇▁▄ | Efficiency Ratio (%) | 81.3% | 92.2% | 76.9% | 76.2% | 74.9% | 88.4% | 74.3% | 81.1% |
| ▂▃▁▅██▆▁ | Cost of Funds (%) | 2.10% | 2.14% | 2.09% | 2.22% | 2.32% | 2.35% | 2.26% | 2.06% |
| ▄█▇▅▁▁▂▂ | NPA / Assets (%) | 0.54% | 0.66% | 0.63% | 0.58% | 0.47% | 0.47% | 0.50% | 0.49% |
| ▃█▇▆▁▃▃▁ | Net Charge-Off Ratio (%) | 0.62% | 0.74% | 0.70% | 0.68% | 0.57% | 0.61% | 0.61% | 0.57% |
| ▃▁▃▅█▅██ | Tang. Book Value ($M) | $28 | $28 | $28 | $28 | $29 | $28 | $29 | $29 |
| ▁▂▆██▁▁▁ | Gross Loans ($M) | $97 | $98 | $104 | $107 | $107 | $97 | $96 | $97 |
| ▁▁▂▆██▅▂ | Total Deposits ($M) | $76 | $77 | $79 | $89 | $95 | $94 | $87 | $81 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 5% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 24% |