Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.37% | +0.01 | 0.36% |
| Return on Equity (%) | ▲ | 1.43% | +0.07 | 1.36% |
| Net Interest Margin (%) | ▼ | 3.79% | -0.10 | 3.89% |
| Efficiency Ratio (%) | ▲ | 89.28% | -0.26 | 89.54% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.03 | $0 |
| Cost of Funds (%) | ▼ | 0.93% | +0.06 | 0.87% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $114 | +6.71 | $108 |
| Gross Loans ($M) | ▲ | $68 | +1.54 | $67 |
| Loan Growth YoY (%) | ▼ | 84.70% | -5.46 | 90.16% |
| Total Deposits ($M) | ▲ | $78 | +6.42 | $71 |
| Shareholders Equity ($M) | ▲ | $28 | +0.13 | $28 |
| Tang. Book Value ($M) | ▲ | $28 | +0.13 | $28 |
| Loan / Deposit Ratio (%) | ▼ | 84.70% | -5.46 | 90.16% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.13% | -0.10 | 0.23% |
| Allowance / Loans (%) | — | 3.50% | -0.08% | 3.58% |
| Net Charge-Off Ratio (%) | ▲ | 0.21% | -0.15 | 0.37% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▂▂▂▂▁▁ | Net Interest Margin (%) | 4.86% | 4.65% | 3.88% | 3.89% | 3.90% | 3.88% | 3.69% | 3.79% |
| █▃▁▁▂▁▁▁ | Return on Assets (%) | 1.60% | 0.69% | 0.26% | 0.36% | 0.45% | 0.21% | 0.20% | 0.37% |
| ▁▄█▇▆██▇ | Efficiency Ratio (%) | 64.8% | 79.4% | 92.6% | 89.5% | 87.1% | 94.6% | 94.4% | 89.3% |
| ▁▁▃▄██▇█ | Cost of Funds (%) | 0.81% | 0.82% | 0.85% | 0.87% | 0.93% | 0.94% | 0.92% | 0.93% |
| ▇▇██▄▂▃▁ | NPA / Assets (%) | 0.21% | 0.22% | 0.24% | 0.23% | 0.17% | 0.15% | 0.16% | 0.13% |
| ▆▇██▄▂▃▁ | Net Charge-Off Ratio (%) | 0.32% | 0.34% | 0.37% | 0.37% | 0.27% | 0.25% | 0.27% | 0.21% |
| ▂▁▁▃▅▇█▅ | Tang. Book Value ($M) | $28 | $28 | $28 | $28 | $28 | $29 | $29 | $28 |
| █▄▅▁▄▁▁▇ | Gross Loans ($M) | $69 | $67 | $68 | $67 | $67 | $66 | $66 | $68 |
| ▁▂▁▃▂▃▄█ | Total Deposits ($M) | $68 | $69 | $68 | $71 | $70 | $70 | $72 | $78 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 13% |
| Interest-Bearing (core) | 80% |
| Brokered / Other | 7% |