Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.79% | +0.21 | 0.58% |
| Return on Equity (%) | ▲ | 6.12% | +1.22 | 4.90% |
| Net Interest Margin (%) | ▲ | 4.53% | +0.39 | 4.14% |
| Efficiency Ratio (%) | ▲ | 78.42% | -2.61 | 81.04% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.12 | $1 |
| Cost of Funds (%) | ▲ | 1.29% | -0.19 | 1.48% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $176 | +0.23 | $176 |
| Gross Loans ($M) | ▼ | $152 | -1.43 | $153 |
| Loan Growth YoY (%) | ▼ | 103.08% | -3.87 | 106.95% |
| Total Deposits ($M) | ▲ | $146 | +4.01 | $142 |
| Shareholders Equity ($M) | ▲ | $23 | +1.62 | $21 |
| Tang. Book Value ($M) | ▲ | $23 | +1.63 | $21 |
| Loan / Deposit Ratio (%) | ▼ | 103.08% | -3.87 | 106.95% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.07% | -0.39 | 0.46% |
| Allowance / Loans (%) | — | 0.60% | -0.03% | 0.63% |
| Net Charge-Off Ratio (%) | ▲ | 0.08% | -0.44 | 0.53% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 19.15% | +2.89 | 16.26% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▆██ | Net Interest Margin (%) | 3.62% | 3.69% | 3.97% | 4.14% | 4.23% | 4.26% | 4.56% | 4.53% |
| ▄▄▁▅▇▆██ | Return on Assets (%) | 0.50% | 0.52% | 0.26% | 0.58% | 0.69% | 0.64% | 0.80% | 0.79% |
| ▃▃█▂▁▂▁▁ | Efficiency Ratio (%) | 82.8% | 82.6% | 91.4% | 81.0% | 78.7% | 80.5% | 78.2% | 78.4% |
| █▅▄▃▂▂▁▁ | Cost of Funds (%) | 1.83% | 1.62% | 1.49% | 1.48% | 1.41% | 1.39% | 1.30% | 1.29% |
| ▂▄▅▄█▄▁▁ | NPA / Assets (%) | 0.27% | 0.48% | 0.53% | 0.46% | 0.90% | 0.47% | 0.16% | 0.07% |
| ▂▄▅▄█▄▁▁ | Net Charge-Off Ratio (%) | 0.31% | 0.55% | 0.62% | 0.53% | 1.05% | 0.54% | 0.18% | 0.08% |
| ▁▁▁▂▅▆▇█ | Tang. Book Value ($M) | $21 | $21 | $21 | $21 | $22 | $22 | $23 | $23 |
| ██▆▅▃▂▁▃ | Gross Loans ($M) | $157 | $157 | $155 | $153 | $152 | $151 | $149 | $152 |
| ▁▁▄▄▇██▇ | Total Deposits ($M) | $138 | $137 | $142 | $142 | $146 | $149 | $149 | $146 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 93% |
| C&I / Commercial | 1% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 13% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 17% |