Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.10% | +0.24 | 0.87% |
| Return on Equity (%) | ▲ | 8.67% | +1.65 | 7.02% |
| Net Interest Margin (%) | ▲ | 3.61% | +0.05 | 3.56% |
| Efficiency Ratio (%) | ▲ | 61.03% | -6.19 | 67.22% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.39 | $3 |
| Cost of Funds (%) | ▲ | 2.01% | -0.17 | 2.18% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $915 | -17.52 | $933 |
| Gross Loans ($M) | ▲ | $748 | +16.50 | $731 |
| Loan Growth YoY (%) | ▲ | 100.93% | +5.50 | 95.43% |
| Total Deposits ($M) | ▼ | $732 | -25.25 | $757 |
| Shareholders Equity ($M) | ▲ | $118 | +8.51 | $110 |
| Tang. Book Value ($M) | ▲ | $100 | +8.70 | $92 |
| TBV excl. AOCI ($M)** | ▲ | $102 | +7.22 | $95 |
| Loan / Deposit Ratio (%) | ▲ | 100.93% | +5.50 | 95.43% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.39% | -0.10 | 0.49% |
| Allowance / Loans (%) | — | 1.19% | 0.02% | 1.17% |
| Net Charge-Off Ratio (%) | ▲ | 0.47% | -0.15 | 0.62% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.76% | +1.09 | 11.66% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▆▁▃▃█▃▆ | Net Interest Margin (%) | 3.59% | 3.62% | 3.52% | 3.56% | 3.57% | 3.67% | 3.56% | 3.61% |
| ▂▁▁▃▄▅▇█ | Return on Assets (%) | 0.81% | 0.78% | 0.75% | 0.87% | 0.91% | 0.94% | 1.05% | 1.10% |
| ▇▇█▅▄▃▂▁ | Efficiency Ratio (%) | 69.0% | 68.8% | 71.0% | 67.2% | 65.7% | 64.1% | 62.4% | 61.0% |
| ██▄▆██▃▁ | Cost of Funds (%) | 2.24% | 2.23% | 2.11% | 2.18% | 2.24% | 2.24% | 2.08% | 2.01% |
| ██▅▅█▂▁▁ | NPA / Assets (%) | 0.55% | 0.55% | 0.49% | 0.49% | 0.55% | 0.41% | 0.38% | 0.39% |
| █▇▆▆█▁▁▁ | Net Charge-Off Ratio (%) | 0.70% | 0.67% | 0.62% | 0.62% | 0.70% | 0.48% | 0.47% | 0.47% |
| ▇█▁▃▅▅▆█ | Tang. Book Value ($M) | $98 | $99 | $89 | $92 | $95 | $95 | $97 | $100 |
| ▁▃▄▅▅▇██ | Gross Loans ($M) | $698 | $714 | $721 | $731 | $730 | $743 | $752 | $748 |
| ▂▁▇█▇▃▇▆ | Total Deposits ($M) | $690 | $679 | $739 | $757 | $746 | $703 | $743 | $732 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 61% |
| C&I / Commercial | 21% |
| Consumer | 18% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 14% |