Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.87% | +0.44 | 0.42% |
| Return on Equity (%) | ▲ | 6.14% | +2.94 | 3.20% |
| Net Interest Margin (%) | ▲ | 3.84% | +0.77 | 3.06% |
| Efficiency Ratio (%) | ▲ | 75.67% | -4.61 | 80.29% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.26 | $0 |
| Cost of Funds (%) | ▲ | 1.86% | -0.44 | 2.30% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $277 | -15.22 | $292 |
| Gross Loans ($M) | ▼ | $223 | -15.50 | $239 |
| Loan Growth YoY (%) | ▼ | 97.09% | -10.40 | 107.48% |
| Total Deposits ($M) | ▲ | $228 | +7.68 | $220 |
| Shareholders Equity ($M) | ▲ | $41 | +2.39 | $39 |
| Tang. Book Value ($M) | ▲ | $40 | +2.18 | $38 |
| Loan / Deposit Ratio (%) | ▼ | 97.09% | -10.40 | 107.48% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.76% | -0.05 | 0.81% |
| Allowance / Loans (%) | — | 0.95% | 0.03% | 0.92% |
| Net Charge-Off Ratio (%) | ▲ | 0.95% | -0.05 | 1.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 20.36% | +1.67 | 18.70% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▅▅██ | Net Interest Margin (%) | 2.42% | 2.52% | 3.00% | 3.06% | 3.17% | 3.21% | 3.72% | 3.84% |
| ▁▁▄▄▅▅██ | Return on Assets (%) | -0.02% | 0.04% | 0.35% | 0.42% | 0.49% | 0.52% | 0.91% | 0.87% |
| █▇▂▂▁▁▁▁ | Efficiency Ratio (%) | 102.4% | 97.5% | 81.9% | 80.3% | 78.0% | 77.4% | 77.5% | 75.7% |
| ███▇▆▅▇▁ | Cost of Funds (%) | 2.36% | 2.33% | 2.37% | 2.30% | 2.23% | 2.15% | 2.29% | 1.86% |
| █▄▄▄▁▅█▃ | NPA / Assets (%) | 0.94% | 0.79% | 0.82% | 0.81% | 0.69% | 0.85% | 0.95% | 0.76% |
| █▄▄▄▁▅█▃ | Net Charge-Off Ratio (%) | 1.17% | 0.97% | 1.00% | 1.00% | 0.84% | 1.05% | 1.19% | 0.95% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $37 | $37 | $38 | $38 | $39 | $39 | $40 | $40 |
| ▂▄▅▆▇█▁▁ | Gross Loans ($M) | $226 | $234 | $236 | $239 | $243 | $247 | $223 | $223 |
| ▁▁▂▅▆▆██ | Total Deposits ($M) | $208 | $208 | $212 | $220 | $221 | $222 | $226 | $228 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 7% |
| Interest-Bearing (core) | 82% |
| Brokered / Other | 12% |