Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.06% | +0.17 | -0.11% |
| Return on Equity (%) | ▲ | 0.60% | +1.81 | -1.21% |
| Net Interest Margin (%) | ▲ | 2.75% | +0.26 | 2.48% |
| Efficiency Ratio (%) | ▲ | 97.68% | -9.69 | 107.37% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.12 | $-0 |
| Cost of Funds (%) | ▲ | 1.79% | -0.18 | 1.97% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $195 | -2.40 | $197 |
| Gross Loans ($M) | ▲ | $138 | +4.47 | $134 |
| Loan Growth YoY (%) | ▲ | 79.72% | +1.42 | 78.30% |
| Total Deposits ($M) | ▲ | $172 | +2.57 | $169 |
| Shareholders Equity ($M) | ▲ | $19 | +0.49 | $19 |
| Tang. Book Value ($M) | ▲ | $19 | +0.47 | $19 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +0.25 | $20 |
| Loan / Deposit Ratio (%) | ▲ | 79.72% | +1.42 | 78.30% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.46% | -0.08 | 0.55% |
| Allowance / Loans (%) | — | 1.09% | -0.03% | 1.11% |
| Net Charge-Off Ratio (%) | ▲ | 0.65% | -0.15 | 0.80% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▁▁▁▄▅██ | Net Interest Margin (%) | 2.49% | 2.46% | 2.45% | 2.48% | 2.57% | 2.62% | 2.72% | 2.75% |
| ▇▅▁▄▅▆▅█ | Return on Assets (%) | 0.00% | -0.05% | -0.22% | -0.11% | -0.06% | -0.03% | -0.05% | 0.06% |
| ▃▄█▅▄▃▃▁ | Efficiency Ratio (%) | 101.7% | 104.5% | 113.8% | 107.4% | 104.0% | 102.2% | 103.2% | 97.7% |
| █▇▆▄▅▃▁▁ | Cost of Funds (%) | 2.19% | 2.13% | 2.05% | 1.97% | 2.03% | 1.90% | 1.84% | 1.79% |
| █▃▆▄▄▁▁▁ | NPA / Assets (%) | 0.65% | 0.52% | 0.58% | 0.55% | 0.55% | 0.49% | 0.48% | 0.46% |
| █▄▆▅▃▁▁▁ | Net Charge-Off Ratio (%) | 0.94% | 0.79% | 0.86% | 0.80% | 0.76% | 0.68% | 0.67% | 0.65% |
| ▅▁▂▃▆███ | Tang. Book Value ($M) | $19 | $18 | $18 | $19 | $19 | $19 | $19 | $19 |
| ▄▁▃▄██▇█ | Gross Loans ($M) | $133 | $129 | $132 | $134 | $139 | $139 | $137 | $138 |
| ▁▄▃▆▆▇▇█ | Total Deposits ($M) | $163 | $167 | $166 | $169 | $169 | $170 | $170 | $172 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 9% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 14% |