Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.62% | +0.13 | 1.49% |
| Return on Equity (%) | ▼ | 5.69% | -1.77 | 7.46% |
| Net Interest Margin (%) | ▲ | 2.35% | +0.38 | 1.97% |
| Efficiency Ratio (%) | ▲ | 14.50% | -1.70 | 16.20% |
| Pre-Provision Profit ($M) | ▼ | $13 | -3.12 | $16 |
| Cost of Funds (%) | ▲ | 1.39% | -1.05 | 2.45% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $2,590 | -934.92 | $3,525 |
| Gross Loans ($M) | ▼ | $1,711 | -291.40 | $2,002 |
| Loan Growth YoY (%) | ▲ | 102.12% | +19.06 | 83.06% |
| Total Deposits ($M) | ▼ | $1,673 | -733.73 | $2,407 |
| Shareholders Equity ($M) | ▼ | $780 | -57.52 | $838 |
| Tang. Book Value ($M) | ▼ | $780 | -57.52 | $838 |
| Loan / Deposit Ratio (%) | ▲ | 102.12% | +19.06 | 83.06% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.83% | +0.02 | 0.81% |
| Allowance / Loans (%) | — | 0.13% | -0.02% | 0.16% |
| Net Charge-Off Ratio (%) | ▲ | 1.24% | -0.19 | 1.43% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 80.53% | +16.68 | 63.85% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▄▅██ | Net Interest Margin (%) | 1.72% | 1.70% | 1.89% | 1.97% | 1.97% | 2.07% | 2.34% | 2.35% |
| ▁▂▄▆▅▆██ | Return on Assets (%) | 1.07% | 1.15% | 1.31% | 1.49% | 1.45% | 1.48% | 1.69% | 1.62% |
| ██▃▂▁▁▁▁ | Efficiency Ratio (%) | 23.3% | 22.7% | 16.8% | 16.2% | 15.5% | 15.1% | 15.4% | 14.5% |
| █▆▇█▅▄▁▁ | Cost of Funds (%) | 2.56% | 2.24% | 2.27% | 2.45% | 2.00% | 1.85% | 1.43% | 1.39% |
| ▄▁▁▆▄█▆▆ | NPA / Assets (%) | 0.74% | 0.63% | 0.61% | 0.81% | 0.76% | 0.92% | 0.81% | 0.83% |
| ▂▃▂██▇▁▁ | Net Charge-Off Ratio (%) | 1.25% | 1.27% | 1.27% | 1.43% | 1.43% | 1.39% | 1.21% | 1.24% |
| ▃▄▆▇█▁▂▂ | Tang. Book Value ($M) | $785 | $804 | $820 | $838 | $851 | $758 | $770 | $780 |
| █▇▆▅▄▃▂▁ | Gross Loans ($M) | $2,236 | $2,158 | $2,081 | $2,002 | $1,923 | $1,848 | $1,780 | $1,711 |
| ▆██▄▅▂▁▁ | Total Deposits ($M) | $2,919 | $3,502 | $3,291 | $2,407 | $2,667 | $1,916 | $1,786 | $1,673 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Deposit Mix | % |
|---|---|
| Interest-Bearing (core) | 100% |