Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.64% | +0.71 | 0.93% |
| Return on Equity (%) | ▲ | 13.58% | +4.51 | 9.07% |
| Net Interest Margin (%) | ▲ | 4.30% | +0.89 | 3.41% |
| Efficiency Ratio (%) | ▲ | 51.28% | -10.28 | 61.56% |
| Pre-Provision Profit ($M) | ▲ | $9 | +3.56 | $5 |
| Cost of Funds (%) | ▲ | 1.32% | -0.34 | 1.66% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $1,559 | +14.79 | $1,544 |
| Gross Loans ($M) | ▲ | $1,086 | +1.30 | $1,085 |
| Loan Growth YoY (%) | ▼ | 79.50% | -0.08 | 79.58% |
| Total Deposits ($M) | ▲ | $1,346 | +4.89 | $1,341 |
| Shareholders Equity ($M) | ▲ | $195 | +26.78 | $168 |
| Tang. Book Value ($M) | ▲ | $189 | +28.10 | $161 |
| TBV excl. AOCI ($M)** | ▲ | $198 | +19.01 | $179 |
| Loan / Deposit Ratio (%) | ▼ | 79.50% | -0.08 | 79.58% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.11% | -0.41 | 0.52% |
| Allowance / Loans (%) | — | 1.48% | -0.14% | 1.62% |
| Net Charge-Off Ratio (%) | ▲ | 0.01% | -0.47 | 0.47% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▂▃▅██ | Net Interest Margin (%) | 3.15% | 3.19% | 3.33% | 3.41% | 3.56% | 3.79% | 4.16% | 4.30% |
| ▆▆▆▆▁▃██ | Return on Assets (%) | 0.84% | 0.91% | 0.88% | 0.93% | -0.89% | -0.19% | 1.62% | 1.64% |
| ████▄▁▁▁ | Efficiency Ratio (%) | 63.0% | 62.8% | 62.4% | 61.6% | 56.4% | 52.0% | 52.1% | 51.3% |
| ██▅▅▄▂▁▁ | Cost of Funds (%) | 2.00% | 1.92% | 1.73% | 1.66% | 1.58% | 1.46% | 1.34% | 1.32% |
| ███▆▆▁▁▁ | NPA / Assets (%) | 0.67% | 0.65% | 0.60% | 0.52% | 0.48% | 0.13% | 0.10% | 0.11% |
| ██▇▆▅▁▁▁ | Net Charge-Off Ratio (%) | 0.67% | 0.66% | 0.56% | 0.47% | 0.39% | 0.02% | 0.01% | 0.01% |
| ▁▁▂▃▄▆▇█ | Tang. Book Value ($M) | $154 | $149 | $157 | $161 | $169 | $177 | $182 | $189 |
| ▅▁▂▁▅▅█▁ | Gross Loans ($M) | $1,113 | $1,090 | $1,093 | $1,085 | $1,110 | $1,109 | $1,132 | $1,086 |
| ▇█▄▁▅▃▂▁ | Total Deposits ($M) | $1,412 | $1,425 | $1,377 | $1,341 | $1,388 | $1,366 | $1,352 | $1,346 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 87% |
| C&I / Commercial | 13% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 7% |