Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.05% | +0.01 | 0.04% |
| Return on Equity (%) | ▲ | 0.18% | +0.05 | 0.13% |
| Net Interest Margin (%) | ▲ | 2.37% | +0.13 | 2.23% |
| Efficiency Ratio (%) | ▲ | 99.34% | -1.65 | 100.99% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.01 | $-0 |
| Cost of Funds (%) | ▲ | 1.62% | -0.05 | 1.68% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $118 | -1.20 | $119 |
| Gross Loans ($M) | ▼ | $83 | -3.74 | $87 |
| Loan Growth YoY (%) | ▼ | 99.70% | -2.76 | 102.46% |
| Total Deposits ($M) | ▼ | $83 | -1.38 | $84 |
| Shareholders Equity ($M) | ▲ | $35 | +0.13 | $34 |
| Tang. Book Value ($M) | ▲ | $35 | +0.13 | $34 |
| TBV excl. AOCI ($M)** | ▲ | $36 | +0.06 | $36 |
| Loan / Deposit Ratio (%) | ▼ | 99.70% | -2.76 | 102.46% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.07% | -0.01 | 0.07% |
| Allowance / Loans (%) | — | 0.71% | -0.02% | 0.73% |
| Net Charge-Off Ratio (%) | ▲ | 0.10% | -0.00 | 0.10% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▄▅▆██ | Net Interest Margin (%) | 2.14% | 2.13% | 2.17% | 2.23% | 2.28% | 2.31% | 2.39% | 2.37% |
| ▂▅▁▁▂█▃▂ | Return on Assets (%) | 0.05% | 0.07% | 0.04% | 0.04% | 0.05% | 0.10% | 0.06% | 0.05% |
| ▃█▅▄▃▁▁▁ | Efficiency Ratio (%) | 100.3% | 103.2% | 101.1% | 101.0% | 100.1% | 99.3% | 99.0% | 99.3% |
| ▇█▅▅▅▃▁▃ | Cost of Funds (%) | 1.71% | 1.75% | 1.68% | 1.68% | 1.67% | 1.62% | 1.57% | 1.62% |
| ▄▄▁██▅▄▂ | NPA / Assets (%) | 0.07% | 0.07% | 0.07% | 0.07% | 0.07% | 0.07% | 0.07% | 0.07% |
| ▄▅▁██▆▆▅ | Net Charge-Off Ratio (%) | 0.09% | 0.09% | 0.09% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% |
| ▁▂▃▃▄▇██ | Tang. Book Value ($M) | $34 | $34 | $34 | $34 | $34 | $34 | $34 | $35 |
| █▇▇▇▆▃▁▁ | Gross Loans ($M) | $88 | $87 | $87 | $87 | $86 | $84 | $83 | $83 |
| ███▇▂▁▁▄ | Total Deposits ($M) | $85 | $85 | $85 | $84 | $82 | $81 | $81 | $83 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 1% |
| Interest-Bearing (core) | 86% |
| Brokered / Other | 14% |