Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.44% | +0.03 | 0.41% |
| Return on Equity (%) | ▼ | 4.93% | -0.02 | 4.95% |
| Net Interest Margin (%) | ▲ | 2.89% | +0.19 | 2.70% |
| Efficiency Ratio (%) | ▼ | 80.88% | +1.59 | 79.29% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.09 | $0 |
| Cost of Funds (%) | ▲ | 2.64% | -0.24 | 2.88% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $277 | -15.48 | $292 |
| Gross Loans ($M) | ▼ | $195 | -20.23 | $215 |
| Loan Growth YoY (%) | ▼ | 93.09% | -13.15 | 106.24% |
| Total Deposits ($M) | ▲ | $207 | +6.72 | $200 |
| Shareholders Equity ($M) | ▲ | $25 | +0.28 | $25 |
| Tang. Book Value ($M) | ▲ | $25 | +0.28 | $25 |
| TBV excl. AOCI ($M)** | ▲ | $28 | +0.42 | $28 |
| Loan / Deposit Ratio (%) | ▼ | 93.09% | -13.15 | 106.24% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.57% | -0.47 | 1.04% |
| Allowance / Loans (%) | — | 0.97% | 0.03% | 0.94% |
| Net Charge-Off Ratio (%) | ▲ | 0.24% | -0.05 | 0.30% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 15.07% | +1.67 | 13.40% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▅▅▆██ | Net Interest Margin (%) | 2.40% | 2.44% | 2.71% | 2.70% | 2.69% | 2.76% | 2.90% | 2.89% |
| ▄▁▄▇▇█▇▇ | Return on Assets (%) | 0.26% | 0.08% | 0.25% | 0.41% | 0.45% | 0.51% | 0.42% | 0.44% |
| █▇▅▂▂▁▃▃ | Efficiency Ratio (%) | 89.1% | 86.7% | 83.5% | 79.3% | 79.6% | 77.6% | 81.7% | 80.9% |
| █▇▆▅▅▇▁▁ | Cost of Funds (%) | 3.10% | 3.02% | 2.95% | 2.88% | 2.89% | 2.98% | 2.63% | 2.64% |
| ▅▅▅█▆▆▇▁ | NPA / Assets (%) | 0.82% | 0.82% | 0.81% | 1.04% | 0.88% | 0.91% | 0.93% | 0.57% |
| ▁▁▁████▇ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.30% | 0.30% | 0.32% | 0.32% | 0.24% |
| █▁▁▁▄▅▃▂ | Tang. Book Value ($M) | $26 | $25 | $25 | $25 | $25 | $26 | $25 | $25 |
| ▇█▇█▇▄▃▁ | Gross Loans ($M) | $212 | $213 | $211 | $215 | $211 | $204 | $200 | $195 |
| ▁▁▄▃█▅▄▆ | Total Deposits ($M) | $195 | $194 | $203 | $200 | $214 | $206 | $201 | $207 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 98% |
| C&I / Commercial | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 10% |