Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.70% | +0.53 | 0.17% |
| Return on Equity (%) | ▲ | 6.63% | +4.92 | 1.71% |
| Net Interest Margin (%) | ▲ | 3.37% | +0.87 | 2.50% |
| Efficiency Ratio (%) | ▲ | 68.96% | -21.47 | 90.43% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.61 | $0 |
| Cost of Funds (%) | ▲ | 2.57% | -0.49 | 3.06% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $283 | -3.54 | $286 |
| Gross Loans ($M) | ▼ | $249 | -3.40 | $253 |
| Loan Growth YoY (%) | ▲ | 119.06% | +4.71 | 114.36% |
| Total Deposits ($M) | ▼ | $208 | -11.57 | $219 |
| Shareholders Equity ($M) | ▲ | $30 | +0.75 | $29 |
| Tang. Book Value ($M) | ▲ | $30 | +0.66 | $29 |
| Loan / Deposit Ratio (%) | ▲ | 119.06% | +4.71 | 114.36% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.42% | -0.37 | 0.78% |
| Allowance / Loans (%) | — | 0.69% | 0.03% | 0.66% |
| Net Charge-Off Ratio (%) | ▲ | 0.44% | -0.45 | 0.89% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▄▇█ | Net Interest Margin (%) | 2.16% | 2.21% | 2.37% | 2.50% | 2.62% | 2.73% | 3.22% | 3.37% |
| ▁▁▄▅▅▆██ | Return on Assets (%) | -0.45% | -0.31% | 0.08% | 0.17% | 0.27% | 0.33% | 0.66% | 0.70% |
| █▇▄▄▃▃▁▁ | Efficiency Ratio (%) | 120.6% | 113.5% | 94.5% | 90.4% | 86.5% | 84.0% | 72.3% | 69.0% |
| ▇█▆█▅▅▂▁ | Cost of Funds (%) | 2.98% | 3.03% | 2.92% | 3.06% | 2.85% | 2.84% | 2.68% | 2.57% |
| █▃▄▅▂▁▁▁ | NPA / Assets (%) | 1.13% | 0.60% | 0.71% | 0.78% | 0.53% | 0.42% | 0.41% | 0.42% |
| █▃▄▅▂▁▁▁ | Net Charge-Off Ratio (%) | 1.27% | 0.69% | 0.82% | 0.89% | 0.61% | 0.48% | 0.47% | 0.44% |
| ▁▁▁▂▄▆█▆ | Tang. Book Value ($M) | $29 | $29 | $29 | $29 | $29 | $30 | $30 | $30 |
| █▄▆▄▄▅▄▁ | Gross Loans ($M) | $257 | $252 | $254 | $253 | $252 | $254 | $253 | $249 |
| ▁▃█▇█▅▅▃ | Total Deposits ($M) | $202 | $210 | $224 | $219 | $222 | $214 | $214 | $208 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 6% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 21% |