Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.36% | +0.06 | 1.30% |
| Return on Equity (%) | ▼ | 12.06% | -0.48 | 12.54% |
| Net Interest Margin (%) | ▲ | 3.99% | +0.51 | 3.48% |
| Efficiency Ratio (%) | ▼ | 65.70% | +3.30 | 62.40% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.82 | $1 |
| Cost of Funds (%) | ▲ | 1.25% | -0.91 | 2.16% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $320 | +28.33 | $291 |
| Gross Loans ($M) | ▲ | $226 | +1.31 | $225 |
| Loan Growth YoY (%) | ▼ | 82.83% | -3.60 | 86.43% |
| Total Deposits ($M) | ▲ | $270 | +12.78 | $257 |
| Shareholders Equity ($M) | ▲ | $46 | +16.12 | $30 |
| Tang. Book Value ($M) | ▼ | $26 | -4.44 | $30 |
| Loan / Deposit Ratio (%) | ▼ | 82.83% | -3.60 | 86.43% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.01 | 0.01% |
| Allowance / Loans (%) | — | 1.23% | -0.02% | 1.25% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.01 | 0.01% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 11.29% | -2.48 | 13.77% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▂▁▂▃▃▃█ | Net Interest Margin (%) | 3.49% | 3.51% | 3.37% | 3.48% | 3.52% | 3.58% | 3.53% | 3.99% |
| ▇█▇███▁█ | Return on Assets (%) | 1.13% | 1.27% | 1.12% | 1.30% | 1.31% | 1.35% | 0.36% | 1.36% |
| ▂▁▂▁▁▁█▂ | Efficiency Ratio (%) | 63.8% | 62.9% | 64.0% | 62.4% | 61.1% | 59.8% | 88.6% | 65.7% |
| █████▇▆▁ | Cost of Funds (%) | 2.15% | 2.07% | 2.05% | 2.16% | 2.06% | 2.03% | 1.93% | 1.25% |
| ▁▁▁▆█▄▃▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.01% | 0.02% | 0.01% | 0.00% | 0.00% |
| ▁▁▁▆█▄▃▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.01% | 0.02% | 0.01% | 0.01% | 0.00% |
| ▄▅▆▆▇█▂▁ | Tang. Book Value ($M) | $28 | $29 | $30 | $30 | $31 | $32 | $27 | $26 |
| ▁▄▆▆▇██▇ | Gross Loans ($M) | $212 | $220 | $224 | $225 | $227 | $229 | $230 | $226 |
| ▁▂▄▄▆▅█▆ | Total Deposits ($M) | $236 | $242 | $258 | $257 | $266 | $263 | $283 | $270 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 73% |
| C&I / Commercial | 25% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 56% |
| Brokered / Other | 23% |