Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.04% | +0.09 | 0.94% |
| Return on Equity (%) | ▲ | 12.45% | +3.42 | 9.03% |
| Net Interest Margin (%) | ▲ | 2.87% | +0.17 | 2.70% |
| Efficiency Ratio (%) | ▲ | 54.79% | -2.00 | 56.80% |
| Pre-Provision Profit ($M) | ▲ | $23 | +1.81 | $21 |
| Cost of Funds (%) | ▲ | 1.38% | -0.06 | 1.44% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $6,524 | +176.29 | $6,348 |
| Gross Loans ($M) | ▲ | $5,377 | +220.53 | $5,157 |
| Loan Growth YoY (%) | ▲ | 93.69% | +0.70 | 92.99% |
| Total Deposits ($M) | ▲ | $5,682 | +191.25 | $5,490 |
| Shareholders Equity ($M) | ▼ | $556 | -112.47 | $668 |
| Tang. Book Value ($M) | ▼ | $555 | -112.47 | $668 |
| TBV excl. AOCI ($M)** | ▼ | $571 | -114.19 | $685 |
| Loan / Deposit Ratio (%) | ▲ | 93.69% | +0.70 | 92.99% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.35% | +0.05 | 0.30% |
| Allowance / Loans (%) | — | 1.01% | 0.01% | 0.99% |
| Net Charge-Off Ratio (%) | ▼ | 0.40% | +0.06 | 0.35% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 14.48% | -4.17 | 18.65% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆██ | Net Interest Margin (%) | 2.54% | 2.56% | 2.66% | 2.70% | 2.74% | 2.76% | 2.85% | 2.87% |
| ▁▁▄▅▆▆██ | Return on Assets (%) | 0.83% | 0.81% | 0.92% | 0.94% | 0.97% | 0.97% | 1.02% | 1.04% |
| ▇█▄▃▃▂▁▁ | Efficiency Ratio (%) | 60.6% | 61.7% | 57.9% | 56.8% | 56.1% | 55.9% | 54.0% | 54.8% |
| ██▅▆▇▄▁▂ | Cost of Funds (%) | 1.47% | 1.48% | 1.42% | 1.44% | 1.45% | 1.40% | 1.35% | 1.38% |
| █▆▅▁▂▇██ | NPA / Assets (%) | 0.36% | 0.34% | 0.33% | 0.30% | 0.31% | 0.34% | 0.35% | 0.35% |
| ▅▃▃▁▂▇██ | Net Charge-Off Ratio (%) | 0.38% | 0.37% | 0.37% | 0.35% | 0.36% | 0.39% | 0.41% | 0.40% |
| ▇▇███▁▁▂ | Tang. Book Value ($M) | $643 | $649 | $659 | $668 | $675 | $524 | $539 | $555 |
| ▁▁▂▃▄▅▆█ | Gross Loans ($M) | $5,072 | $5,099 | $5,116 | $5,157 | $5,192 | $5,252 | $5,290 | $5,377 |
| ▁▃▅▅▅▆██ | Total Deposits ($M) | $5,264 | $5,391 | $5,497 | $5,490 | $5,481 | $5,557 | $5,652 | $5,682 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 12% |