Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.33% | +0.08 | 0.25% |
| Return on Equity (%) | ▲ | 0.99% | +0.28 | 0.71% |
| Net Interest Margin (%) | ▼ | 2.27% | -0.03 | 2.30% |
| Efficiency Ratio (%) | ▲ | 83.64% | -5.03 | 88.67% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.04 | $0 |
| Cost of Funds (%) | ▼ | 2.07% | +0.11 | 1.96% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $104 | +7.49 | $97 |
| Gross Loans ($M) | ▲ | $66 | +1.71 | $64 |
| Loan Growth YoY (%) | ▼ | 94.07% | -8.22 | 102.28% |
| Total Deposits ($M) | ▲ | $69 | +7.22 | $62 |
| Shareholders Equity ($M) | ▲ | $34 | +0.32 | $33 |
| Tang. Book Value ($M) | ▲ | $34 | +0.32 | $33 |
| Loan / Deposit Ratio (%) | ▼ | 94.07% | -8.22 | 102.28% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.27% | -0.00 | 0.27% |
| Allowance / Loans (%) | — | 1.07% | -0.03% | 1.09% |
| Net Charge-Off Ratio (%) | ▼ | 0.42% | +0.01 | 0.41% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆▇██▇▆ | Net Interest Margin (%) | 2.17% | 2.20% | 2.28% | 2.30% | 2.32% | 2.31% | 2.29% | 2.27% |
| ▁▂▆▅▇▇██ | Return on Assets (%) | 0.13% | 0.17% | 0.27% | 0.25% | 0.28% | 0.28% | 0.32% | 0.33% |
| █▇▃▄▃▂▁▁ | Efficiency Ratio (%) | 96.9% | 94.7% | 88.2% | 88.7% | 87.1% | 86.6% | 84.4% | 83.6% |
| ██▁▂▄▅▅▇ | Cost of Funds (%) | 2.12% | 2.12% | 1.92% | 1.96% | 1.99% | 2.04% | 2.02% | 2.07% |
| ▃▁▁▁▅█▄▁ | NPA / Assets (%) | 0.39% | 0.26% | 0.26% | 0.27% | 0.50% | 0.70% | 0.43% | 0.27% |
| ▃▁▁▁▅█▄▁ | Net Charge-Off Ratio (%) | 0.64% | 0.41% | 0.40% | 0.41% | 0.75% | 1.06% | 0.68% | 0.42% |
| ▁▂▃▃▅▆▇█ | Tang. Book Value ($M) | $33 | $33 | $33 | $33 | $33 | $34 | $34 | $34 |
| ▁▂▃▆▇█▇█ | Gross Loans ($M) | $60 | $61 | $62 | $64 | $65 | $65 | $65 | $66 |
| ▃▁▁▂▂▃▆█ | Total Deposits ($M) | $63 | $61 | $62 | $62 | $63 | $63 | $67 | $69 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Deposit Mix | % |
|---|---|
| Interest-Bearing (core) | 74% |
| Brokered / Other | 26% |