Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.50% | +0.28 | 0.23% |
| Return on Equity (%) | ▲ | 3.77% | +2.01 | 1.76% |
| Net Interest Margin (%) | ▲ | 3.21% | +0.46 | 2.75% |
| Efficiency Ratio (%) | ▲ | 80.70% | -7.85 | 88.54% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.19 | $0 |
| Cost of Funds (%) | ▲ | 2.20% | -0.36 | 2.56% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $294 | +0.94 | $293 |
| Gross Loans ($M) | ▼ | $211 | -4.09 | $215 |
| Loan Growth YoY (%) | ▼ | 83.73% | -1.33 | 85.05% |
| Total Deposits ($M) | ▼ | $251 | -0.91 | $252 |
| Shareholders Equity ($M) | ▲ | $40 | +1.80 | $38 |
| Tang. Book Value ($M) | ▲ | $39 | +1.91 | $37 |
| TBV excl. AOCI ($M)** | ▲ | $41 | +1.58 | $39 |
| Loan / Deposit Ratio (%) | ▼ | 83.73% | -1.33 | 85.05% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.92% | +0.35 | 0.57% |
| Allowance / Loans (%) | — | 0.68% | 0.02% | 0.67% |
| Net Charge-Off Ratio (%) | ▼ | 1.28% | +0.51 | 0.77% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▅▇█ | Net Interest Margin (%) | 2.52% | 2.55% | 2.64% | 2.75% | 2.80% | 2.87% | 3.12% | 3.21% |
| ▁▁▁▃▄▅██ | Return on Assets (%) | 0.13% | 0.15% | 0.17% | 0.23% | 0.30% | 0.34% | 0.47% | 0.50% |
| ██▇▅▄▄▁▁ | Efficiency Ratio (%) | 94.0% | 93.4% | 91.6% | 88.5% | 87.0% | 85.8% | 81.1% | 80.7% |
| ██▆▆▅▃▁▁ | Cost of Funds (%) | 2.77% | 2.71% | 2.61% | 2.56% | 2.51% | 2.40% | 2.26% | 2.20% |
| ▃▁▁▃▂▅▇█ | NPA / Assets (%) | 0.57% | 0.45% | 0.45% | 0.57% | 0.56% | 0.74% | 0.81% | 0.92% |
| ▃▁▁▂▂▅▇█ | Net Charge-Off Ratio (%) | 0.80% | 0.64% | 0.62% | 0.77% | 0.77% | 1.02% | 1.13% | 1.28% |
| ▁▁▂▃▄▆▇█ | Tang. Book Value ($M) | $36 | $36 | $37 | $37 | $38 | $38 | $39 | $39 |
| ▁▁▃█▅▇▆▅ | Gross Loans ($M) | $207 | $207 | $209 | $215 | $212 | $214 | $213 | $211 |
| ▁▆▆▆▇██▅ | Total Deposits ($M) | $244 | $252 | $251 | $252 | $253 | $255 | $254 | $251 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 99% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 8% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 15% |