Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.85% | +0.19 | 1.67% |
| Return on Equity (%) | ▲ | 15.97% | +1.48 | 14.49% |
| Net Interest Margin (%) | ▲ | 4.70% | +0.27 | 4.43% |
| Efficiency Ratio (%) | ▲ | 48.99% | -2.30 | 51.29% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.54 | $2 |
| Cost of Funds (%) | ▲ | 1.17% | -0.07 | 1.25% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $386 | +40.70 | $345 |
| Gross Loans ($M) | ▲ | $319 | +47.35 | $271 |
| Loan Growth YoY (%) | ▲ | 105.36% | +13.30 | 92.06% |
| Total Deposits ($M) | ▲ | $298 | +7.73 | $290 |
| Shareholders Equity ($M) | ▲ | $46 | +6.06 | $40 |
| Tang. Book Value ($M) | ▲ | $46 | +6.06 | $40 |
| TBV excl. AOCI ($M)** | ▲ | $48 | +6.15 | $42 |
| Loan / Deposit Ratio (%) | ▲ | 105.36% | +13.30 | 92.06% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.04% | -0.00 | 0.04% |
| Allowance / Loans (%) | — | 1.68% | -0.05% | 1.73% |
| Net Charge-Off Ratio (%) | ▲ | 0.05% | -0.01 | 0.05% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▅▇█ | Net Interest Margin (%) | 4.13% | 4.18% | 4.41% | 4.43% | 4.47% | 4.48% | 4.59% | 4.70% |
| ▁▁▆▆▆▆██ | Return on Assets (%) | 1.29% | 1.31% | 1.67% | 1.67% | 1.69% | 1.67% | 1.83% | 1.85% |
| ██▂▃▃▃▁▁ | Efficiency Ratio (%) | 57.4% | 56.8% | 50.9% | 51.3% | 51.5% | 52.1% | 49.1% | 49.0% |
| █▇▇▄█▃▃▁ | Cost of Funds (%) | 1.33% | 1.31% | 1.31% | 1.25% | 1.34% | 1.22% | 1.23% | 1.17% |
| █▃▂▁▁▂▁▁ | NPA / Assets (%) | 0.09% | 0.05% | 0.05% | 0.04% | 0.04% | 0.05% | 0.04% | 0.04% |
| █▃▂▁▁▃▁▁ | Net Charge-Off Ratio (%) | 0.12% | 0.07% | 0.06% | 0.05% | 0.05% | 0.07% | 0.05% | 0.05% |
| ▁▁▂▃▄▆▇█ | Tang. Book Value ($M) | $37 | $38 | $39 | $40 | $42 | $43 | $44 | $46 |
| ▁▂▂▃▄▆▇█ | Gross Loans ($M) | $254 | $265 | $264 | $271 | $285 | $297 | $306 | $319 |
| ▁▃▄▄▅█▇▅ | Total Deposits ($M) | $265 | $280 | $287 | $290 | $294 | $317 | $307 | $298 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 7% |
| Consumer | 1% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 6% |