Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.76% | -0.08 | 1.84% |
| Return on Equity (%) | ▼ | 6.12% | -0.48 | 6.60% |
| Net Interest Margin (%) | ▲ | 4.80% | +0.05 | 4.75% |
| Efficiency Ratio (%) | ▲ | 53.75% | -0.89 | 54.64% |
| Pre-Provision Profit ($M) | — | $4 | 0.00 | $4 |
| Cost of Funds (%) | ▼ | 0.60% | +0.03 | 0.57% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $597 | +20.17 | $577 |
| Gross Loans ($M) | ▲ | $521 | +21.93 | $499 |
| Loan Growth YoY (%) | ▲ | 122.53% | +2.33 | 120.20% |
| Total Deposits ($M) | ▲ | $420 | +10.09 | $410 |
| Shareholders Equity ($M) | ▲ | $172 | +10.58 | $162 |
| Tang. Book Value ($M) | ▲ | $172 | +10.62 | $162 |
| Loan / Deposit Ratio (%) | ▲ | 122.53% | +2.33 | 120.20% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.64% | +0.01 | 0.63% |
| Allowance / Loans (%) | — | 1.15% | -0.05% | 1.20% |
| Net Charge-Off Ratio (%) | ▼ | 0.73% | +0.00 | 0.73% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▃▂▆██▅█ | Net Interest Margin (%) | 4.63% | 4.68% | 4.67% | 4.75% | 4.80% | 4.81% | 4.72% | 4.80% |
| ▄█▂▃▄▃▁▂ | Return on Assets (%) | 1.86% | 2.14% | 1.75% | 1.84% | 1.87% | 1.86% | 1.69% | 1.76% |
| ▁▁█▄▄▆▄▂ | Efficiency Ratio (%) | 53.1% | 53.1% | 56.8% | 54.6% | 54.7% | 55.6% | 54.9% | 53.7% |
| ▅▃▁▂▆▇▅█ | Cost of Funds (%) | 0.58% | 0.58% | 0.57% | 0.57% | 0.59% | 0.59% | 0.58% | 0.60% |
| ▁▁▃▇▇▇█▇ | NPA / Assets (%) | 0.50% | 0.52% | 0.54% | 0.63% | 0.63% | 0.63% | 0.66% | 0.64% |
| ▁▂▃▇▇▇█▇ | Net Charge-Off Ratio (%) | 0.57% | 0.61% | 0.62% | 0.73% | 0.73% | 0.73% | 0.75% | 0.73% |
| ▁▂▃▄▅▆▇█ | Tang. Book Value ($M) | $152 | $156 | $159 | $162 | $165 | $167 | $170 | $172 |
| ▂▁▂▄▃▅▇█ | Gross Loans ($M) | $489 | $484 | $492 | $499 | $495 | $504 | $514 | $521 |
| ▁▄▂▅▄▅██ | Total Deposits ($M) | $395 | $407 | $400 | $410 | $405 | $409 | $417 | $420 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 99% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 40% |
| Interest-Bearing (core) | 60% |