Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.21% | -0.02 | 0.24% |
| Return on Equity (%) | ▼ | 1.84% | -0.24 | 2.08% |
| Net Interest Margin (%) | ▲ | 2.60% | +0.34 | 2.26% |
| Efficiency Ratio (%) | ▲ | 84.61% | -3.98 | 88.60% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.05 | $0 |
| Cost of Funds (%) | ▲ | 2.01% | -0.26 | 2.27% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $167 | +3.46 | $164 |
| Gross Loans ($M) | ▲ | $118 | +5.44 | $112 |
| Loan Growth YoY (%) | ▲ | 79.29% | +2.30 | 76.99% |
| Total Deposits ($M) | ▲ | $147 | +2.63 | $144 |
| Shareholders Equity ($M) | ▲ | $19 | +0.61 | $19 |
| Tang. Book Value ($M) | ▲ | $19 | +0.61 | $19 |
| Loan / Deposit Ratio (%) | ▲ | 79.29% | +2.30 | 76.99% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.26% | -0.20 | 0.46% |
| Allowance / Loans (%) | — | 1.04% | -0.03% | 1.07% |
| Net Charge-Off Ratio (%) | ▲ | 0.36% | -0.30 | 0.67% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▄▁▂▅▅▇█ | Net Interest Margin (%) | 2.34% | 2.36% | 2.17% | 2.26% | 2.40% | 2.43% | 2.51% | 2.60% |
| ▃▄▂▆██▁▅ | Return on Assets (%) | 0.16% | 0.18% | 0.13% | 0.24% | 0.32% | 0.30% | 0.07% | 0.21% |
| ▄▃█▃▁▁▄▁ | Efficiency Ratio (%) | 88.7% | 87.7% | 95.3% | 88.6% | 85.1% | 85.3% | 89.3% | 84.6% |
| ██▇▆▃▃▁▁ | Cost of Funds (%) | 2.39% | 2.36% | 2.31% | 2.27% | 2.14% | 2.11% | 2.04% | 2.01% |
| ▁▂▅█▆▇▅▄ | NPA / Assets (%) | 0.13% | 0.20% | 0.31% | 0.46% | 0.34% | 0.41% | 0.33% | 0.26% |
| ▁▃▅█▆▇▅▃ | Net Charge-Off Ratio (%) | 0.18% | 0.31% | 0.47% | 0.67% | 0.50% | 0.60% | 0.47% | 0.36% |
| ▂▁▃▄▆███ | Tang. Book Value ($M) | $18 | $18 | $18 | $19 | $19 | $19 | $19 | $19 |
| ▁▁▂▄▃▄▇█ | Gross Loans ($M) | $108 | $108 | $110 | $112 | $111 | $112 | $116 | $118 |
| ▁▅▆▇▅▇▇█ | Total Deposits ($M) | $136 | $143 | $144 | $144 | $143 | $145 | $145 | $147 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 93% |
| C&I / Commercial | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 11% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 11% |