Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.48% | +0.21 | 0.27% |
| Return on Equity (%) | ▲ | 6.56% | +2.22 | 4.34% |
| Net Interest Margin (%) | ▲ | 2.08% | +0.37 | 1.71% |
| Efficiency Ratio (%) | ▲ | 73.40% | -11.63 | 85.03% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.22 | $0 |
| Cost of Funds (%) | ▲ | 2.15% | -0.06 | 2.21% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $260 | -2.97 | $263 |
| Gross Loans ($M) | ▼ | $119 | -3.39 | $123 |
| Loan Growth YoY (%) | ▼ | 55.71% | -1.15 | 56.86% |
| Total Deposits ($M) | ▼ | $211 | -1.66 | $213 |
| Shareholders Equity ($M) | ▲ | $19 | +2.54 | $17 |
| Tang. Book Value ($M) | ▲ | $15 | +2.54 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +2.52 | $18 |
| Loan / Deposit Ratio (%) | ▼ | 55.71% | -1.15 | 56.86% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.42% | -0.66 | 1.08% |
| Allowance / Loans (%) | — | 1.22% | 0.01% | 1.20% |
| Net Charge-Off Ratio (%) | ▲ | 0.91% | -1.07 | 1.98% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 15.95% | +0.80 | 15.15% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▃▄▇█ | Net Interest Margin (%) | 1.57% | 1.57% | 1.65% | 1.71% | 1.76% | 1.80% | 2.00% | 2.08% |
| ▁▂▃▃▅▅▇█ | Return on Assets (%) | 0.14% | 0.19% | 0.24% | 0.27% | 0.33% | 0.35% | 0.43% | 0.48% |
| ██▇▇▅▄▁▁ | Efficiency Ratio (%) | 87.9% | 88.3% | 85.9% | 85.0% | 81.8% | 80.7% | 75.0% | 73.4% |
| ▇█▄▅█▅▁▂ | Cost of Funds (%) | 2.26% | 2.26% | 2.19% | 2.21% | 2.28% | 2.21% | 2.13% | 2.15% |
| ▂▆██▆▁▆▁ | NPA / Assets (%) | 0.52% | 0.81% | 1.02% | 1.08% | 0.82% | 0.35% | 0.82% | 0.42% |
| ▃▆█▇▆▁▆▁ | Net Charge-Off Ratio (%) | 1.14% | 1.75% | 2.19% | 1.98% | 1.71% | 0.75% | 1.80% | 0.91% |
| ▆▁▃▄▇█▇█ | Tang. Book Value ($M) | $14 | $11 | $12 | $13 | $14 | $15 | $15 | $15 |
| ▁▂▆▆▆█▅▂ | Gross Loans ($M) | $118 | $120 | $123 | $123 | $123 | $125 | $121 | $119 |
| ▃▄▆▅▁██▄ | Total Deposits ($M) | $210 | $211 | $215 | $213 | $206 | $218 | $217 | $211 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 14% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 14% |