Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.46% | +0.05 | 0.41% |
| Return on Equity (%) | ▲ | 3.64% | +0.24 | 3.40% |
| Net Interest Margin (%) | ▲ | 3.94% | +0.14 | 3.80% |
| Efficiency Ratio (%) | ▲ | 84.66% | -1.21 | 85.87% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.10 | $1 |
| Cost of Funds (%) | ▲ | 1.17% | -0.06 | 1.23% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $525 | -6.56 | $532 |
| Gross Loans ($M) | ▼ | $394 | -6.34 | $401 |
| Loan Growth YoY (%) | ▲ | 87.82% | +0.49 | 87.33% |
| Total Deposits ($M) | ▼ | $447 | -9.78 | $456 |
| Shareholders Equity ($M) | ▲ | $68 | +3.00 | $65 |
| Tang. Book Value ($M) | ▲ | $68 | +3.00 | $65 |
| TBV excl. AOCI ($M)** | ▲ | $69 | +3.01 | $66 |
| Loan / Deposit Ratio (%) | ▲ | 87.82% | +0.49 | 87.33% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.66% | +1.01 | 0.64% |
| Allowance / Loans (%) | — | 0.52% | 0.01% | 0.51% |
| Net Charge-Off Ratio (%) | ▼ | 2.21% | +1.35 | 0.85% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 20.83% | +1.01 | 19.82% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▃▃▆█ | Net Interest Margin (%) | 3.75% | 3.77% | 3.78% | 3.80% | 3.80% | 3.81% | 3.89% | 3.94% |
| ▁▂▁▃██▃▅ | Return on Assets (%) | 0.36% | 0.39% | 0.37% | 0.41% | 0.54% | 0.53% | 0.41% | 0.46% |
| █▇█▆▁▁▆▄ | Efficiency Ratio (%) | 87.4% | 86.5% | 87.2% | 85.9% | 82.9% | 82.9% | 86.2% | 84.7% |
| ██▅▃▃▂▁▁ | Cost of Funds (%) | 1.40% | 1.39% | 1.28% | 1.23% | 1.24% | 1.20% | 1.15% | 1.17% |
| ▂▁▁▂▂▃▃█ | NPA / Assets (%) | 0.74% | 0.54% | 0.49% | 0.64% | 0.64% | 0.82% | 0.83% | 1.66% |
| ▂▁▁▂▂▃▃█ | Net Charge-Off Ratio (%) | 0.97% | 0.70% | 0.64% | 0.85% | 0.85% | 1.08% | 1.11% | 2.21% |
| ▁▁▂▄▆▇██ | Tang. Book Value ($M) | $63 | $63 | $64 | $65 | $66 | $67 | $67 | $68 |
| ██▇▄▂▄▄▁ | Gross Loans ($M) | $410 | $410 | $408 | $401 | $397 | $402 | $401 | $394 |
| ▅██▆▁▄▇▁ | Total Deposits ($M) | $454 | $461 | $461 | $456 | $447 | $452 | $459 | $447 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 13% |