Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.10% | +0.56 | 0.54% |
| Return on Equity (%) | ▲ | 13.40% | +6.49 | 6.91% |
| Net Interest Margin (%) | ▲ | 4.74% | +0.79 | 3.95% |
| Efficiency Ratio (%) | ▲ | 68.32% | -9.74 | 78.06% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.23 | $0 |
| Cost of Funds (%) | ▲ | 1.07% | -0.30 | 1.36% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $123 | +9.21 | $114 |
| Gross Loans ($M) | ▲ | $89 | +8.19 | $81 |
| Loan Growth YoY (%) | ▲ | 78.52% | +1.55 | 76.97% |
| Total Deposits ($M) | ▲ | $113 | +8.16 | $105 |
| Shareholders Equity ($M) | ▲ | $10 | +0.96 | $9 |
| Tang. Book Value ($M) | ▲ | $10 | +0.96 | $9 |
| TBV excl. AOCI ($M)** | ▲ | $11 | +1.13 | $10 |
| Loan / Deposit Ratio (%) | ▲ | 78.52% | +1.55 | 76.97% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.74% | +0.29 | 0.44% |
| Allowance / Loans (%) | — | 1.03% | 0.09% | 0.94% |
| Net Charge-Off Ratio (%) | ▼ | 0.92% | +0.30 | 0.62% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 14.23% | -0.22 | 14.45% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▅██ | Net Interest Margin (%) | 3.42% | 3.46% | 3.81% | 3.95% | 4.11% | 4.24% | 4.63% | 4.74% |
| ▁▁▂▃▅▆██ | Return on Assets (%) | 0.21% | 0.28% | 0.38% | 0.54% | 0.72% | 0.83% | 1.05% | 1.10% |
| ██▄▄▃▂▁▁ | Efficiency Ratio (%) | 90.9% | 89.8% | 77.5% | 78.1% | 74.7% | 74.0% | 69.1% | 68.3% |
| ██▆▅▃▁▁▁ | Cost of Funds (%) | 1.63% | 1.64% | 1.43% | 1.36% | 1.24% | 1.13% | 1.08% | 1.07% |
| █▇▁▁▁▁▂▆ | NPA / Assets (%) | 0.93% | 0.85% | 0.46% | 0.44% | 0.42% | 0.40% | 0.50% | 0.74% |
| █▇▂▁▁▁▂▄ | Net Charge-Off Ratio (%) | 1.33% | 1.18% | 0.65% | 0.62% | 0.57% | 0.54% | 0.70% | 0.92% |
| ▂▁▂▃▆▇▇█ | Tang. Book Value ($M) | $9 | $9 | $9 | $9 | $10 | $10 | $10 | $10 |
| ▁▁▁▃▄▆▇█ | Gross Loans ($M) | $78 | $79 | $79 | $81 | $83 | $85 | $87 | $89 |
| ▁▁▄▄▂▄██ | Total Deposits ($M) | $99 | $100 | $104 | $105 | $103 | $105 | $111 | $113 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 7% |
| Consumer | 12% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 4% |