Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.96% | +0.33 | 0.63% |
| Return on Equity (%) | ▲ | 6.39% | +1.88 | 4.51% |
| Net Interest Margin (%) | ▲ | 3.48% | +0.66 | 2.82% |
| Efficiency Ratio (%) | ▲ | 63.40% | -7.76 | 71.16% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.42 | $1 |
| Cost of Funds (%) | ▲ | 1.50% | -0.25 | 1.75% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $312 | +5.22 | $307 |
| Gross Loans ($M) | ▲ | $237 | +11.12 | $226 |
| Loan Growth YoY (%) | ▲ | 91.62% | +3.76 | 87.86% |
| Total Deposits ($M) | ▲ | $257 | +1.53 | $256 |
| Shareholders Equity ($M) | ▲ | $47 | +3.79 | $43 |
| Tang. Book Value ($M) | ▲ | $47 | +3.79 | $43 |
| Loan / Deposit Ratio (%) | ▲ | 91.62% | +3.76 | 87.86% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.24% | +0.15 | 0.09% |
| Allowance / Loans (%) | — | 0.64% | 0.01% | 0.63% |
| Net Charge-Off Ratio (%) | ▼ | 0.32% | +0.26 | 0.06% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 25.26% | -0.09 | 25.35% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▅▅██ | Net Interest Margin (%) | 2.19% | 2.28% | 2.75% | 2.82% | 2.89% | 2.98% | 3.42% | 3.48% |
| ▁▁▅▅▄▄▇█ | Return on Assets (%) | 0.22% | 0.15% | 0.59% | 0.63% | 0.53% | 0.50% | 0.84% | 0.96% |
| ██▃▃▄▅▂▁ | Efficiency Ratio (%) | 88.6% | 89.7% | 72.8% | 71.2% | 75.1% | 76.8% | 67.2% | 63.4% |
| █▇▄▄▄▄▁▁ | Cost of Funds (%) | 2.05% | 1.93% | 1.74% | 1.75% | 1.77% | 1.72% | 1.53% | 1.50% |
| ▅▆▁▂▂▅▄█ | NPA / Assets (%) | 0.16% | 0.18% | 0.05% | 0.09% | 0.09% | 0.15% | 0.13% | 0.24% |
| ▅▆▁▁▃▅▅█ | Net Charge-Off Ratio (%) | 0.19% | 0.24% | 0.03% | 0.06% | 0.12% | 0.20% | 0.18% | 0.32% |
| ▁▁▂▃▄▆▇█ | Tang. Book Value ($M) | $41 | $42 | $43 | $43 | $44 | $46 | $46 | $47 |
| ▁▂▂▂▄▆██ | Gross Loans ($M) | $222 | $225 | $225 | $226 | $230 | $233 | $236 | $237 |
| ▁▁█▇▆▃▆█ | Total Deposits ($M) | $249 | $248 | $256 | $256 | $255 | $251 | $255 | $257 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 97% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 10% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 17% |