Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.97% | +0.25 | 0.72% |
| Return on Equity (%) | ▲ | 5.26% | +1.21 | 4.05% |
| Net Interest Margin (%) | ▲ | 3.64% | +0.36 | 3.28% |
| Efficiency Ratio (%) | ▲ | 65.53% | -5.58 | 71.11% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.40 | $1 |
| Cost of Funds (%) | ▲ | 1.06% | -0.16 | 1.23% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $508 | +18.63 | $489 |
| Gross Loans ($M) | ▲ | $434 | +7.42 | $426 |
| Loan Growth YoY (%) | ▼ | 106.94% | -2.69 | 109.63% |
| Total Deposits ($M) | ▲ | $401 | +16.31 | $385 |
| Shareholders Equity ($M) | ▲ | $92 | +4.38 | $88 |
| Tang. Book Value ($M) | ▲ | $92 | +4.39 | $88 |
| TBV excl. AOCI ($M)** | ▲ | $94 | +4.52 | $89 |
| Loan / Deposit Ratio (%) | ▼ | 106.94% | -2.69 | 109.63% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.64% | +0.02 | 0.62% |
| Allowance / Loans (%) | — | 1.12% | 0.06% | 1.06% |
| Net Charge-Off Ratio (%) | ▼ | 0.63% | +0.01 | 0.63% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 35.62% | +0.94 | 34.69% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▄▅██ | Net Interest Margin (%) | 3.14% | 3.15% | 3.16% | 3.28% | 3.37% | 3.42% | 3.60% | 3.64% |
| ▁▁▃▂▃▃█▇ | Return on Assets (%) | 0.69% | 0.66% | 0.76% | 0.72% | 0.78% | 0.78% | 1.05% | 0.97% |
| ▇█▆▇▅▆▁▂ | Efficiency Ratio (%) | 71.1% | 72.5% | 69.6% | 71.1% | 68.9% | 69.4% | 64.1% | 65.5% |
| ███▇▃▃▁▂ | Cost of Funds (%) | 1.27% | 1.29% | 1.27% | 1.23% | 1.12% | 1.09% | 1.02% | 1.06% |
| ▁▁▃▅▆▇█▅ | NPA / Assets (%) | 0.37% | 0.35% | 0.50% | 0.62% | 0.69% | 0.77% | 0.84% | 0.64% |
| ▁▁▃▅▆██▅ | Net Charge-Off Ratio (%) | 0.41% | 0.38% | 0.52% | 0.63% | 0.68% | 0.79% | 0.76% | 0.63% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $86 | $86 | $87 | $88 | $89 | $90 | $91 | $92 |
| ▁▂▃▄▆▇▇█ | Gross Loans ($M) | $421 | $424 | $425 | $426 | $430 | $432 | $431 | $434 |
| ▁▂▅▄▂▂▆█ | Total Deposits ($M) | $373 | $379 | $389 | $385 | $378 | $378 | $391 | $401 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 97% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 10% |
| Interest-Bearing (core) | 81% |
| Brokered / Other | 9% |