Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.09% | +0.31 | 0.78% |
| Return on Equity (%) | ▲ | 7.29% | +2.09 | 5.20% |
| Net Interest Margin (%) | ▲ | 3.62% | +0.37 | 3.25% |
| Efficiency Ratio (%) | ▲ | 58.19% | -9.35 | 67.54% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.28 | $1 |
| Cost of Funds (%) | ▲ | 2.31% | -0.06 | 2.37% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $200 | +11.11 | $189 |
| Gross Loans ($M) | ▲ | $182 | +10.89 | $171 |
| Loan Growth YoY (%) | ▲ | 121.68% | +6.51 | 115.17% |
| Total Deposits ($M) | ▲ | $148 | +1.06 | $147 |
| Shareholders Equity ($M) | ▲ | $30 | +2.02 | $28 |
| Tang. Book Value ($M) | ▲ | $30 | +2.02 | $28 |
| Loan / Deposit Ratio (%) | ▲ | 121.68% | +6.51 | 115.17% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.37% | -0.31 | 1.68% |
| Allowance / Loans (%) | — | 0.69% | -0.03% | 0.73% |
| Net Charge-Off Ratio (%) | ▲ | 1.30% | -0.37 | 1.68% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 22.86% | -0.04 | 22.90% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▅▇█ | Net Interest Margin (%) | 3.12% | 3.13% | 3.23% | 3.25% | 3.33% | 3.38% | 3.55% | 3.62% |
| ▁▁▁▃▆▅▇█ | Return on Assets (%) | 0.60% | 0.65% | 0.65% | 0.78% | 0.91% | 0.87% | 0.99% | 1.09% |
| ██▇▅▄▅▂▁ | Efficiency Ratio (%) | 74.0% | 73.4% | 70.9% | 67.5% | 65.4% | 67.2% | 61.6% | 58.2% |
| ▃█▄▄▁▁▁▁ | Cost of Funds (%) | 2.34% | 2.48% | 2.37% | 2.37% | 2.30% | 2.31% | 2.30% | 2.31% |
| ▄▃▄█▅▁▄▃ | NPA / Assets (%) | 1.45% | 1.35% | 1.41% | 1.68% | 1.48% | 1.24% | 1.41% | 1.37% |
| ▅▂▃█▅▁▄▂ | Net Charge-Off Ratio (%) | 1.51% | 1.34% | 1.36% | 1.68% | 1.49% | 1.24% | 1.41% | 1.30% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $27 | $28 | $28 | $28 | $29 | $29 | $30 | $30 |
| ▁▁▁▂▆███ | Gross Loans ($M) | $168 | $169 | $169 | $171 | $178 | $181 | $182 | $182 |
| ▁▃▅▆▆▇█▇ | Total Deposits ($M) | $140 | $143 | $146 | $147 | $146 | $147 | $149 | $148 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 89% |
| Consumer | 10% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 6% |
| Interest-Bearing (core) | 75% |
| Brokered / Other | 20% |