Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.11% | +0.19 | -0.08% |
| Return on Equity (%) | ▲ | 0.68% | +1.18 | -0.50% |
| Net Interest Margin (%) | ▼ | 3.28% | -0.05 | 3.33% |
| Efficiency Ratio (%) | ▲ | 93.63% | -9.28 | 102.91% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.16 | $-0 |
| Cost of Funds (%) | ▼ | 1.53% | +0.21 | 1.32% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $168 | +8.72 | $160 |
| Gross Loans ($M) | ▼ | $140 | -6.30 | $147 |
| Loan Growth YoY (%) | ▼ | 109.20% | -9.63 | 118.83% |
| Total Deposits ($M) | ▲ | $128 | +5.09 | $123 |
| Shareholders Equity ($M) | ▲ | $26 | +0.29 | $26 |
| Tang. Book Value ($M) | ▲ | $26 | +0.34 | $26 |
| Loan / Deposit Ratio (%) | ▼ | 109.20% | -9.63 | 118.83% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.33% | +0.26 | 0.07% |
| Allowance / Loans (%) | — | 0.24% | 0.01% | 0.23% |
| Net Charge-Off Ratio (%) | ▼ | 0.22% | +0.22 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 29.05% | -0.35 | 29.40% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅██▆▄▃ | Net Interest Margin (%) | 3.26% | 3.27% | 3.30% | 3.33% | 3.32% | 3.31% | 3.29% | 3.28% |
| ▂▂▁▁▄▅█▇ | Return on Assets (%) | -0.05% | -0.03% | -0.06% | -0.08% | 0.02% | 0.06% | 0.14% | 0.11% |
| █▇██▅▄▁▁ | Efficiency Ratio (%) | 101.8% | 101.0% | 102.2% | 102.9% | 99.0% | 97.8% | 94.5% | 93.6% |
| ▁▂▁▃▅▇▆█ | Cost of Funds (%) | 1.21% | 1.26% | 1.24% | 1.32% | 1.41% | 1.49% | 1.43% | 1.53% |
| ▁▂▂▂▅███ | NPA / Assets (%) | 0.00% | 0.08% | 0.08% | 0.07% | 0.20% | 0.32% | 0.32% | 0.33% |
| ▁▃▄▁▆███ | Net Charge-Off Ratio (%) | 0.00% | 0.08% | 0.09% | 0.00% | 0.16% | 0.22% | 0.22% | 0.22% |
| ▂▁▂▂▅███ | Tang. Book Value ($M) | $26 | $26 | $26 | $26 | $26 | $26 | $26 | $26 |
| ▆█▆▇▅▆▄▁ | Gross Loans ($M) | $145 | $148 | $145 | $147 | $145 | $145 | $144 | $140 |
| ▁▂▂▁▃▇█▅ | Total Deposits ($M) | $124 | $125 | $125 | $123 | $126 | $130 | $132 | $128 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 8% |
| Interest-Bearing (core) | 79% |
| Brokered / Other | 13% |