Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.27% | -0.21 | 0.48% |
| Return on Equity (%) | ▼ | 1.48% | -1.30 | 2.78% |
| Net Interest Margin (%) | ▲ | 4.50% | +0.08 | 4.42% |
| Efficiency Ratio (%) | ▼ | 91.76% | +6.49 | 85.27% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.23 | $1 |
| Cost of Funds (%) | ▲ | 1.11% | -0.20 | 1.31% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $321 | -7.16 | $328 |
| Gross Loans ($M) | ▼ | $245 | -4.64 | $250 |
| Loan Growth YoY (%) | ▲ | 93.85% | +0.97 | 92.88% |
| Total Deposits ($M) | ▼ | $258 | -7.59 | $265 |
| Shareholders Equity ($M) | ▲ | $57 | +0.83 | $56 |
| Tang. Book Value ($M) | ▲ | $55 | +1.00 | $54 |
| Loan / Deposit Ratio (%) | ▲ | 93.85% | +0.97 | 92.88% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.42% | -0.10 | 0.52% |
| Allowance / Loans (%) | — | 1.19% | -0.01% | 1.20% |
| Net Charge-Off Ratio (%) | ▲ | 0.47% | -0.14 | 0.61% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 33.96% | +1.12 | 32.84% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃█▁▄▂▄▅█ | Net Interest Margin (%) | 4.40% | 4.49% | 4.36% | 4.42% | 4.38% | 4.43% | 4.43% | 4.50% |
| ▆█▅▅▄▃▁▁ | Return on Assets (%) | 0.50% | 0.63% | 0.47% | 0.48% | 0.42% | 0.36% | 0.24% | 0.27% |
| ▂▁▃▃▅▆██ | Efficiency Ratio (%) | 84.5% | 82.2% | 85.1% | 85.3% | 87.6% | 88.8% | 92.1% | 91.8% |
| ██▇▇▆▆▁▁ | Cost of Funds (%) | 1.35% | 1.33% | 1.29% | 1.31% | 1.28% | 1.29% | 1.10% | 1.11% |
| ▄█▁▅█▁▅▁ | NPA / Assets (%) | 0.52% | 0.61% | 0.41% | 0.52% | 0.63% | 0.43% | 0.53% | 0.42% |
| ▃▆▁▅█▁▅▁ | Net Charge-Off Ratio (%) | 0.56% | 0.68% | 0.45% | 0.61% | 0.75% | 0.46% | 0.61% | 0.47% |
| ▁▂▄▅▆▇██ | Tang. Book Value ($M) | $52 | $53 | $53 | $54 | $54 | $54 | $55 | $55 |
| █▇▅▃▂▅▂▁ | Gross Loans ($M) | $262 | $259 | $255 | $250 | $249 | $254 | $249 | $245 |
| ▄▃▆▇█▁▃▃ | Total Deposits ($M) | $260 | $258 | $264 | $265 | $267 | $254 | $258 | $258 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 33% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 6% |