Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.51% | +0.34 | 0.17% |
| Return on Equity (%) | ▲ | 2.50% | +1.67 | 0.83% |
| Net Interest Margin (%) | ▲ | 1.89% | +0.35 | 1.54% |
| Efficiency Ratio (%) | ▲ | 74.52% | -8.92 | 83.44% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.07 | $0 |
| Cost of Funds (%) | ▲ | 1.93% | -0.36 | 2.29% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $123 | +4.05 | $119 |
| Gross Loans ($M) | ▲ | $60 | +2.86 | $57 |
| Loan Growth YoY (%) | ▲ | 61.43% | +0.82 | 60.60% |
| Total Deposits ($M) | ▲ | $96 | +3.45 | $93 |
| Shareholders Equity ($M) | ▲ | $25 | +0.59 | $24 |
| Tang. Book Value ($M) | ▲ | $25 | +0.59 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +0.57 | $26 |
| Loan / Deposit Ratio (%) | ▲ | 61.43% | +0.82 | 60.60% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.76% | -0.36 | 1.12% |
| Allowance / Loans (%) | — | 0.79% | -0.08% | 0.87% |
| Net Charge-Off Ratio (%) | ▲ | 1.57% | -0.77 | 2.34% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 46.82% | +0.54 | 46.28% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▅▅▄██ | Net Interest Margin (%) | 1.18% | 1.23% | 1.55% | 1.54% | 1.56% | 1.53% | 1.84% | 1.89% |
| ▁▁▃▁▂▃█▇ | Return on Assets (%) | 0.20% | 0.19% | 0.31% | 0.17% | 0.26% | 0.32% | 0.58% | 0.51% |
| ██▄▃▃▃▁▁ | Efficiency Ratio (%) | 103.6% | 101.2% | 85.7% | 83.4% | 84.3% | 85.1% | 74.7% | 74.5% |
| █▅▄▄▅▅▁▁ | Cost of Funds (%) | 2.73% | 2.33% | 2.30% | 2.29% | 2.35% | 2.33% | 1.92% | 1.93% |
| ██▇▆▅▂▃▁ | NPA / Assets (%) | 1.27% | 1.25% | 1.20% | 1.12% | 1.07% | 0.89% | 0.90% | 0.76% |
| ███▆▅▂▂▁ | Net Charge-Off Ratio (%) | 2.69% | 2.65% | 2.55% | 2.34% | 2.20% | 1.82% | 1.82% | 1.57% |
| ▁▁▂▂▄▅▇█ | Tang. Book Value ($M) | $24 | $24 | $24 | $24 | $25 | $25 | $25 | $25 |
| ▁▁▂▄▅▆██ | Gross Loans ($M) | $54 | $55 | $55 | $57 | $57 | $58 | $60 | $60 |
| ▁▃▃▅▄▆██ | Total Deposits ($M) | $88 | $90 | $91 | $93 | $92 | $94 | $96 | $96 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Deposit Mix | % |
|---|---|
| Interest-Bearing (core) | 100% |