Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.48% | +0.24 | 0.24% |
| Return on Equity (%) | ▲ | 4.15% | +1.85 | 2.30% |
| Net Interest Margin (%) | ▲ | 2.88% | +0.33 | 2.55% |
| Efficiency Ratio (%) | ▲ | 80.09% | -9.74 | 89.83% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.11 | $0 |
| Cost of Funds (%) | ▲ | 1.31% | -0.13 | 1.44% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $159 | +7.58 | $152 |
| Gross Loans ($M) | ▲ | $88 | +0.01 | $88 |
| Loan Growth YoY (%) | ▼ | 61.40% | -2.76 | 64.16% |
| Total Deposits ($M) | ▲ | $141 | +6.11 | $135 |
| Shareholders Equity ($M) | ▲ | $18 | +1.44 | $16 |
| Tang. Book Value ($M) | ▲ | $18 | +1.48 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +1.28 | $19 |
| Loan / Deposit Ratio (%) | ▼ | 61.40% | -2.76 | 64.16% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.65% | -0.11 | 0.76% |
| Allowance / Loans (%) | — | 1.41% | -0.01% | 1.43% |
| Net Charge-Off Ratio (%) | ▲ | 1.18% | -0.14 | 1.32% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 23.71% | +0.86 | 22.84% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▆▆██ | Net Interest Margin (%) | 2.13% | 2.21% | 2.37% | 2.55% | 2.61% | 2.68% | 2.85% | 2.88% |
| ▁▂▂▄▆▇██ | Return on Assets (%) | 0.07% | 0.17% | 0.17% | 0.24% | 0.34% | 0.40% | 0.45% | 0.48% |
| █▆▇▅▃▂▁▁ | Efficiency Ratio (%) | 96.6% | 92.4% | 93.2% | 89.8% | 85.0% | 83.1% | 81.4% | 80.1% |
| █▇▂▃▂▁▁▂ | Cost of Funds (%) | 1.85% | 1.69% | 1.31% | 1.44% | 1.28% | 1.27% | 1.19% | 1.31% |
| █▆▁▇▄▂▄▄ | NPA / Assets (%) | 0.81% | 0.71% | 0.53% | 0.76% | 0.65% | 0.60% | 0.67% | 0.65% |
| █▆▁▆▃▃▄▄ | Net Charge-Off Ratio (%) | 1.48% | 1.28% | 0.90% | 1.32% | 1.11% | 1.07% | 1.13% | 1.18% |
| ▃▁▂▃▆▇▇█ | Tang. Book Value ($M) | $16 | $15 | $16 | $16 | $17 | $17 | $17 | $18 |
| ▅▇██▁▁▄█ | Gross Loans ($M) | $87 | $88 | $88 | $88 | $86 | $86 | $87 | $88 |
| ██▃▄▁▄▁█ | Total Deposits ($M) | $142 | $142 | $132 | $135 | $129 | $134 | $128 | $141 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 95% |
| C&I / Commercial | 2% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 9% |
| Interest-Bearing (core) | 88% |
| Brokered / Other | 3% |