Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.98% | +0.83 | 0.15% |
| Return on Equity (%) | ▲ | 10.46% | +8.89 | 1.57% |
| Net Interest Margin (%) | ▼ | 3.56% | -0.40 | 3.96% |
| Efficiency Ratio (%) | ▲ | 60.04% | -21.11 | 81.14% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.89 | $2 |
| Cost of Funds (%) | ▼ | 3.29% | +0.01 | 3.29% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $891 | -118.77 | $1,010 |
| Gross Loans ($M) | ▼ | $736 | -154.61 | $891 |
| Loan Growth YoY (%) | ▼ | 91.88% | -5.21 | 97.09% |
| Total Deposits ($M) | ▼ | $785 | -110.41 | $896 |
| Shareholders Equity ($M) | ▲ | $94 | +1.63 | $92 |
| Tang. Book Value ($M) | ▼ | $92 | -0.22 | $92 |
| TBV excl. AOCI ($M)** | ▼ | $93 | -0.67 | $94 |
| Loan / Deposit Ratio (%) | ▼ | 91.88% | -5.21 | 97.09% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 3.14% | -2.30 | 5.44% |
| Allowance / Loans (%) | — | 2.04% | -0.38% | 2.41% |
| Net Charge-Off Ratio (%) | ▲ | 2.81% | -0.79 | 3.60% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.25% | +1.05 | 12.21% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▃▄▅▄▁▂ | Net Interest Margin (%) | 4.95% | 4.75% | 3.76% | 3.96% | 4.08% | 4.04% | 3.16% | 3.56% |
| ▃▃▁▁▂▂█▆ | Return on Assets (%) | 0.35% | 0.36% | 0.01% | 0.15% | 0.25% | 0.26% | 1.37% | 0.98% |
| ▄▄█▇▆▆▁▂ | Efficiency Ratio (%) | 68.0% | 67.7% | 88.5% | 81.1% | 77.6% | 77.2% | 54.5% | 60.0% |
| ▇█▆▁▅▃▁▁ | Cost of Funds (%) | 3.55% | 3.62% | 3.51% | 3.29% | 3.46% | 3.38% | 3.32% | 3.29% |
| ██▇▅▅▅▁▁ | NPA / Assets (%) | 7.16% | 6.89% | 6.28% | 5.44% | 5.33% | 5.39% | 2.76% | 3.14% |
| █▅▄▃▅█▁▁ | Net Charge-Off Ratio (%) | 4.92% | 4.05% | 3.64% | 3.60% | 3.91% | 4.70% | 2.99% | 2.81% |
| █▇▄▁▁▁▃▁ | Tang. Book Value ($M) | $96 | $95 | $94 | $92 | $92 | $92 | $93 | $92 |
| ▃▄▅██▆▁▂ | Gross Loans ($M) | $758 | $792 | $797 | $891 | $884 | $840 | $697 | $736 |
| ▃▄▄▆▆██▁ | Total Deposits ($M) | $845 | $854 | $856 | $896 | $904 | $931 | $947 | $785 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 51% |
| C&I / Commercial | 9% |
| Consumer | 36% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 12% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 23% |