Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.84% | -0.10 | 0.94% |
| Return on Equity (%) | ▼ | 9.66% | -2.10 | 11.76% |
| Net Interest Margin (%) | ▲ | 3.78% | +0.15 | 3.63% |
| Efficiency Ratio (%) | ▼ | 74.23% | +5.89 | 68.34% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.06 | $0 |
| Cost of Funds (%) | ▲ | 1.46% | -0.05 | 1.51% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $139 | +6.32 | $132 |
| Gross Loans ($M) | ▲ | $91 | +9.50 | $82 |
| Loan Growth YoY (%) | ▲ | 79.05% | +5.48 | 73.57% |
| Total Deposits ($M) | ▲ | $114 | +4.37 | $110 |
| Shareholders Equity ($M) | ▲ | $12 | +1.52 | $11 |
| Tang. Book Value ($M) | ▲ | $12 | +1.52 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $14 | +1.41 | $13 |
| Loan / Deposit Ratio (%) | ▲ | 79.05% | +5.48 | 73.57% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.53% | +0.16 | 0.37% |
| Allowance / Loans (%) | — | 0.86% | -0.08% | 0.94% |
| Net Charge-Off Ratio (%) | ▼ | 0.81% | +0.21 | 0.60% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▆▆▇▇█ | Net Interest Margin (%) | 3.30% | 3.36% | 3.53% | 3.63% | 3.64% | 3.66% | 3.72% | 3.78% |
| ▁▃▆██▂▁▁ | Return on Assets (%) | 0.83% | 0.86% | 0.91% | 0.94% | 0.93% | 0.85% | 0.84% | 0.84% |
| ▃▂▁▁▁▂██ | Efficiency Ratio (%) | 70.2% | 69.6% | 68.7% | 68.3% | 69.0% | 69.8% | 73.7% | 74.2% |
| █▇▁▃▁▃▂▁ | Cost of Funds (%) | 1.65% | 1.61% | 1.45% | 1.51% | 1.46% | 1.51% | 1.48% | 1.46% |
| ▃▅▁▄▁▆▄█ | NPA / Assets (%) | 0.33% | 0.41% | 0.27% | 0.37% | 0.26% | 0.45% | 0.39% | 0.53% |
| ▄▆▁▄▁▆▄█ | Net Charge-Off Ratio (%) | 0.56% | 0.67% | 0.44% | 0.60% | 0.40% | 0.70% | 0.60% | 0.81% |
| ▂▁▂▃▆▇▆█ | Tang. Book Value ($M) | $10 | $10 | $11 | $11 | $12 | $12 | $12 | $12 |
| ▁▁▃▃▅▇██ | Gross Loans ($M) | $76 | $78 | $81 | $82 | $85 | $88 | $90 | $91 |
| ▁▁▇▄▄▇██ | Total Deposits ($M) | $106 | $106 | $113 | $110 | $110 | $113 | $113 | $114 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 91% |
| C&I / Commercial | 3% |
| Consumer | 2% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 12% |