Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.33% | -0.07 | 0.40% |
| Return on Equity (%) | ▼ | 2.82% | -0.75 | 3.57% |
| Net Interest Margin (%) | ▲ | 3.10% | +0.08 | 3.03% |
| Efficiency Ratio (%) | ▼ | 88.51% | +5.92 | 82.59% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.08 | $0 |
| Cost of Funds (%) | ▼ | 0.87% | +0.02 | 0.84% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $170 | +8.35 | $162 |
| Gross Loans ($M) | ▲ | $80 | +12.66 | $67 |
| Loan Growth YoY (%) | ▲ | 52.42% | +6.47 | 45.95% |
| Total Deposits ($M) | ▲ | $149 | +6.51 | $143 |
| Shareholders Equity ($M) | ▲ | $20 | +1.59 | $18 |
| Tang. Book Value ($M) | ▲ | $20 | +1.59 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $23 | +1.46 | $21 |
| Loan / Deposit Ratio (%) | ▲ | 52.42% | +6.47 | 45.95% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.06% | -0.01 | 0.06% |
| Allowance / Loans (%) | — | 1.77% | -0.31% | 2.08% |
| Net Charge-Off Ratio (%) | ▲ | 0.12% | -0.03 | 0.15% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 26.41% | -2.08 | 28.49% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▅▂▅▆▇▄█ | Net Interest Margin (%) | 2.90% | 3.02% | 2.94% | 3.03% | 3.04% | 3.06% | 2.98% | 3.10% |
| ▆█▁▃▃▃▁▁ | Return on Assets (%) | 0.50% | 0.60% | 0.32% | 0.40% | 0.40% | 0.40% | 0.30% | 0.33% |
| ▃▁▆▂▂▄█▆ | Efficiency Ratio (%) | 83.7% | 79.9% | 87.4% | 82.6% | 82.3% | 84.5% | 91.5% | 88.5% |
| ▆▅▁▁█▄▄▅ | Cost of Funds (%) | 0.87% | 0.86% | 0.84% | 0.84% | 0.89% | 0.86% | 0.86% | 0.87% |
| █▅▁▃█▃▃▃ | NPA / Assets (%) | 0.13% | 0.08% | 0.03% | 0.06% | 0.11% | 0.06% | 0.06% | 0.06% |
| █▅▁▃▇▃▃▂ | Net Charge-Off Ratio (%) | 0.32% | 0.20% | 0.07% | 0.15% | 0.27% | 0.14% | 0.14% | 0.12% |
| ▂▁▃▃▇███ | Tang. Book Value ($M) | $18 | $17 | $18 | $18 | $19 | $20 | $20 | $20 |
| ▁▂▂▃▄▄▄█ | Gross Loans ($M) | $62 | $66 | $65 | $67 | $70 | $71 | $71 | $80 |
| ▁▃▃▄▄▇▇█ | Total Deposits ($M) | $138 | $141 | $142 | $143 | $143 | $147 | $148 | $149 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 94% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 5% |