Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.86% | +0.10 | 0.75% |
| Return on Equity (%) | ▲ | 7.97% | +0.67 | 7.30% |
| Net Interest Margin (%) | ▲ | 3.10% | +0.35 | 2.76% |
| Efficiency Ratio (%) | ▲ | 66.64% | -2.39 | 69.03% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.49 | $1 |
| Cost of Funds (%) | ▲ | 1.68% | -0.13 | 1.81% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $662 | +40.46 | $621 |
| Gross Loans ($M) | ▲ | $513 | +33.95 | $479 |
| Loan Growth YoY (%) | ▲ | 102.68% | +3.46 | 99.22% |
| Total Deposits ($M) | ▲ | $494 | +16.81 | $477 |
| Shareholders Equity ($M) | ▲ | $71 | +6.75 | $64 |
| Tang. Book Value ($M) | ▲ | $71 | +6.76 | $64 |
| TBV excl. AOCI ($M)** | ▲ | $76 | +7.02 | $69 |
| Loan / Deposit Ratio (%) | ▲ | 102.68% | +3.46 | 99.22% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.31% | +0.02 | 0.29% |
| Allowance / Loans (%) | — | 1.07% | -0.04% | 1.11% |
| Net Charge-Off Ratio (%) | ▼ | 0.40% | +0.02 | 0.37% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 18.77% | +0.01 | 18.76% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▅██ | Net Interest Margin (%) | 2.61% | 2.65% | 2.71% | 2.76% | 2.81% | 2.88% | 3.06% | 3.10% |
| ▁▂▅▄▅█▇▇ | Return on Assets (%) | 0.62% | 0.66% | 0.78% | 0.75% | 0.77% | 0.89% | 0.83% | 0.86% |
| █▇▂▃▃▁▂▁ | Efficiency Ratio (%) | 75.5% | 73.6% | 68.6% | 69.0% | 68.9% | 66.5% | 67.9% | 66.6% |
| ██▆▇▇▆▁▁ | Cost of Funds (%) | 1.86% | 1.84% | 1.79% | 1.81% | 1.81% | 1.79% | 1.67% | 1.68% |
| █▅▅▇█▄▁█ | NPA / Assets (%) | 0.30% | 0.27% | 0.26% | 0.29% | 0.31% | 0.26% | 0.21% | 0.31% |
| █▅▅▆█▄▁█ | Net Charge-Off Ratio (%) | 0.41% | 0.35% | 0.34% | 0.37% | 0.40% | 0.33% | 0.27% | 0.40% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $61 | $61 | $63 | $64 | $66 | $68 | $70 | $71 |
| ▁▃▄▅▆▇▇█ | Gross Loans ($M) | $435 | $456 | $465 | $479 | $491 | $494 | $499 | $513 |
| ▁▂▄▄▇███ | Total Deposits ($M) | $462 | $466 | $475 | $477 | $489 | $491 | $491 | $494 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 96% |
| C&I / Commercial | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 6% |