Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.90% | -0.21 | 3.11% |
| Return on Equity (%) | ▼ | 8.47% | -0.52 | 8.99% |
| Net Interest Margin (%) | ▲ | 5.99% | +0.08 | 5.91% |
| Efficiency Ratio (%) | ▼ | 47.66% | +3.48 | 44.19% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.15 | $1 |
| Cost of Funds (%) | ▲ | 2.10% | -0.46 | 2.56% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $114 | +4.71 | $109 |
| Gross Loans ($M) | ▲ | $104 | +6.55 | $98 |
| Loan Growth YoY (%) | ▲ | 154.70% | +17.62 | 137.09% |
| Total Deposits ($M) | ▼ | $67 | -3.85 | $71 |
| Shareholders Equity ($M) | ▲ | $39 | +1.20 | $38 |
| Tang. Book Value ($M) | ▲ | $39 | +1.08 | $38 |
| Loan / Deposit Ratio (%) | ▲ | 154.70% | +17.62 | 137.09% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.39% | -0.30 | 0.69% |
| Allowance / Loans (%) | — | 0.47% | -0.02% | 0.49% |
| Net Charge-Off Ratio (%) | ▲ | 0.43% | -0.34 | 0.77% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▁▆▆▁▂ | Net Interest Margin (%) | 6.45% | 6.48% | 5.92% | 5.91% | 6.28% | 6.33% | 5.92% | 5.99% |
| █▇▇▄▆▅▁▂ | Return on Assets (%) | 3.76% | 3.57% | 3.50% | 3.11% | 3.35% | 3.28% | 2.64% | 2.90% |
| ▁▁▃▄▃▄█▆ | Efficiency Ratio (%) | 36.7% | 38.0% | 41.3% | 44.2% | 42.2% | 43.3% | 51.7% | 47.7% |
| ▃█▂█▂▂▁▁ | Cost of Funds (%) | 2.23% | 2.54% | 2.20% | 2.56% | 2.17% | 2.20% | 2.09% | 2.10% |
| █▅▃▃▁▁▁▂ | NPA / Assets (%) | 2.01% | 1.08% | 0.69% | 0.69% | 0.17% | 0.16% | 0.10% | 0.39% |
| █▅▃▃▁▁▁▂ | Net Charge-Off Ratio (%) | 2.26% | 1.24% | 0.82% | 0.77% | 0.19% | 0.18% | 0.11% | 0.43% |
| ▁▂▄▃▅▇█▅ | Tang. Book Value ($M) | $37 | $38 | $38 | $38 | $39 | $40 | $40 | $39 |
| ▃▁▃▄██▇▇ | Gross Loans ($M) | $96 | $92 | $96 | $98 | $105 | $107 | $104 | $104 |
| ▂▁▅███▆▅ | Total Deposits ($M) | $61 | $60 | $67 | $71 | $71 | $72 | $68 | $67 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 97% |
| C&I / Commercial | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 8% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 30% |