Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.10% | +0.20 | -0.11% |
| Return on Equity (%) | ▲ | 0.63% | +1.31 | -0.68% |
| Net Interest Margin (%) | ▲ | 2.14% | +0.25 | 1.89% |
| Efficiency Ratio (%) | ▲ | 94.91% | -11.89 | 106.80% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.07 | $-0 |
| Cost of Funds (%) | ▲ | 2.83% | -0.10 | 2.93% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $191 | +6.44 | $185 |
| Gross Loans ($M) | ▲ | $118 | +5.02 | $113 |
| Loan Growth YoY (%) | ▼ | 92.63% | -1.15 | 93.78% |
| Total Deposits ($M) | ▲ | $126 | +6.83 | $119 |
| Shareholders Equity ($M) | ▲ | $29 | +0.21 | $29 |
| Tang. Book Value ($M) | ▲ | $29 | +0.21 | $29 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +0.20 | $31 |
| Loan / Deposit Ratio (%) | ▼ | 92.63% | -1.15 | 93.78% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.01% | -0.02 | 0.03% |
| Allowance / Loans (%) | — | 0.96% | 0.01% | 0.95% |
| Net Charge-Off Ratio (%) | ▲ | 0.01% | -0.04 | 0.05% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▄▅██ | Net Interest Margin (%) | 1.73% | 1.69% | 1.83% | 1.89% | 1.91% | 1.94% | 2.12% | 2.14% |
| ▂▁▂▂▂▁█▇ | Return on Assets (%) | -0.07% | -0.13% | -0.10% | -0.11% | -0.09% | -0.15% | 0.16% | 0.10% |
| ▆██▇▇█▁▂ | Efficiency Ratio (%) | 104.3% | 108.9% | 107.3% | 106.8% | 105.2% | 109.3% | 91.5% | 94.9% |
| █▇▄▂▃▃▁▁ | Cost of Funds (%) | 3.30% | 3.22% | 3.03% | 2.93% | 2.98% | 2.95% | 2.87% | 2.83% |
| ██▂▁▁▁▁▁ | NPA / Assets (%) | 0.20% | 0.18% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.01% |
| ██▂▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.34% | 0.31% | 0.06% | 0.05% | 0.05% | 0.05% | 0.05% | 0.01% |
| █▁▂▁▅▅▆▅ | Tang. Book Value ($M) | $29 | $29 | $29 | $29 | $29 | $29 | $29 | $29 |
| ▃▁▁▃▅▇██ | Gross Loans ($M) | $113 | $111 | $111 | $113 | $115 | $117 | $118 | $118 |
| ▁▁▁▂▄▅▆█ | Total Deposits ($M) | $117 | $118 | $118 | $119 | $121 | $122 | $123 | $126 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Interest-Bearing (core) | 72% |
| Brokered / Other | 28% |