Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.30% | +0.45 | -0.15% |
| Return on Equity (%) | ▲ | 2.34% | +3.54 | -1.20% |
| Net Interest Margin (%) | ▲ | 2.70% | +0.64 | 2.06% |
| Efficiency Ratio (%) | ▲ | 88.52% | -19.06 | 107.58% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.09 | $-0 |
| Cost of Funds (%) | ▼ | 1.88% | +0.11 | 1.77% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $102 | +0.30 | $102 |
| Gross Loans ($M) | ▲ | $60 | +1.84 | $58 |
| Loan Growth YoY (%) | ▲ | 71.65% | +1.92 | 69.73% |
| Total Deposits ($M) | ▲ | $83 | +0.35 | $83 |
| Shareholders Equity ($M) | ▲ | $13 | +0.19 | $13 |
| Tang. Book Value ($M) | ▲ | $13 | +0.19 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +0.25 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 71.65% | +1.92 | 69.73% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.06% | -0.78 | 0.84% |
| Allowance / Loans (%) | — | 0.85% | -0.03% | 0.87% |
| Net Charge-Off Ratio (%) | ▲ | 0.10% | -1.37 | 1.47% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▁▂▄██ | Net Interest Margin (%) | 2.04% | 2.04% | 2.00% | 2.06% | 2.13% | 2.26% | 2.64% | 2.70% |
| ▁▁▁▂▂▄██ | Return on Assets (%) | -0.24% | -0.24% | -0.21% | -0.15% | -0.15% | 0.01% | 0.34% | 0.30% |
| ███▇▆▄▁▁ | Efficiency Ratio (%) | 111.8% | 112.0% | 110.8% | 107.6% | 104.0% | 97.4% | 87.0% | 88.5% |
| ▁▅▄▅▆▇▆█ | Cost of Funds (%) | 1.59% | 1.75% | 1.72% | 1.77% | 1.80% | 1.82% | 1.80% | 1.88% |
| ▁▁▁██▄▁▁ | NPA / Assets (%) | 0.09% | 0.09% | 0.13% | 0.84% | 0.83% | 0.42% | 0.07% | 0.06% |
| ▁▁▁██▄▁▁ | Net Charge-Off Ratio (%) | 0.17% | 0.17% | 0.24% | 1.47% | 1.44% | 0.74% | 0.12% | 0.10% |
| ▆▃▂▁▄██▆ | Tang. Book Value ($M) | $13 | $13 | $13 | $13 | $13 | $13 | $13 | $13 |
| ▂▁▂▆▇▆▇█ | Gross Loans ($M) | $56 | $55 | $56 | $58 | $59 | $58 | $59 | $60 |
| █▁▁▄█▂▇▆ | Total Deposits ($M) | $84 | $83 | $83 | $83 | $84 | $83 | $84 | $83 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 98% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 7% |
| Interest-Bearing (core) | 86% |
| Brokered / Other | 7% |