Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.72% | +0.44 | 0.28% |
| Return on Equity (%) | ▲ | 5.68% | +3.47 | 2.21% |
| Net Interest Margin (%) | ▲ | 2.87% | +0.55 | 2.32% |
| Efficiency Ratio (%) | ▲ | 68.42% | -16.89 | 85.31% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.55 | $0 |
| Cost of Funds (%) | ▲ | 1.96% | -0.23 | 2.19% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $343 | +9.09 | $334 |
| Gross Loans ($M) | ▲ | $276 | +14.88 | $262 |
| Loan Growth YoY (%) | ▲ | 107.14% | +6.60 | 100.54% |
| Total Deposits ($M) | ▼ | $256 | -2.04 | $258 |
| Shareholders Equity ($M) | ▲ | $44 | +2.11 | $42 |
| Tang. Book Value ($M) | ▲ | $44 | +2.11 | $42 |
| TBV excl. AOCI ($M)** | ▲ | $46 | +2.05 | $44 |
| Loan / Deposit Ratio (%) | ▲ | 107.14% | +6.60 | 100.54% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.14% | -0.20 | 0.34% |
| Allowance / Loans (%) | — | 0.61% | -0.03% | 0.65% |
| Net Charge-Off Ratio (%) | ▲ | 0.17% | -0.15 | 0.32% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▃▄██ | Net Interest Margin (%) | 2.11% | 2.11% | 2.28% | 2.32% | 2.39% | 2.45% | 2.79% | 2.87% |
| ▁▁▁▂▃▄▆█ | Return on Assets (%) | 0.24% | 0.23% | 0.20% | 0.28% | 0.33% | 0.40% | 0.58% | 0.72% |
| ███▇▆▅▂▁ | Efficiency Ratio (%) | 89.3% | 89.4% | 88.9% | 85.3% | 82.2% | 79.2% | 71.2% | 68.4% |
| ██▅▅▅▄▂▁ | Cost of Funds (%) | 2.37% | 2.33% | 2.19% | 2.19% | 2.18% | 2.15% | 2.02% | 1.96% |
| ▃▃▃█▂▃▃▁ | NPA / Assets (%) | 0.20% | 0.20% | 0.20% | 0.34% | 0.18% | 0.20% | 0.19% | 0.14% |
| ▆▆▆█▁▂▅▃ | Net Charge-Off Ratio (%) | 0.26% | 0.26% | 0.26% | 0.32% | 0.12% | 0.17% | 0.23% | 0.17% |
| ▁▁▂▂▃▅▆█ | Tang. Book Value ($M) | $41 | $42 | $42 | $42 | $42 | $43 | $43 | $44 |
| ▁▂▂▃▆▇▇█ | Gross Loans ($M) | $253 | $257 | $258 | $262 | $268 | $272 | $273 | $276 |
| ▁▁▆█▅▅█▆ | Total Deposits ($M) | $248 | $248 | $256 | $258 | $254 | $255 | $260 | $256 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 97% |
| C&I / Commercial | 2% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 9% |
| Interest-Bearing (core) | 81% |
| Brokered / Other | 10% |