Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.56% | -0.21 | 0.76% |
| Return on Equity (%) | ▼ | 5.54% | -2.48 | 8.02% |
| Net Interest Margin (%) | ▼ | 3.52% | -0.44 | 3.97% |
| Efficiency Ratio (%) | ▼ | 75.66% | +5.40 | 70.26% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.27 | $1 |
| Cost of Funds (%) | ▼ | 1.19% | +0.47 | 0.72% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $241 | +2.57 | $238 |
| Gross Loans ($M) | ▲ | $137 | +5.07 | $132 |
| Loan Growth YoY (%) | ▲ | 63.46% | +1.96 | 61.50% |
| Total Deposits ($M) | ▲ | $212 | +1.17 | $210 |
| Shareholders Equity ($M) | ▲ | $24 | +1.49 | $23 |
| Tang. Book Value ($M) | ▲ | $24 | +1.49 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +1.60 | $24 |
| Loan / Deposit Ratio (%) | ▲ | 63.46% | +1.96 | 61.50% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.35% | -0.01 | 0.36% |
| Allowance / Loans (%) | — | 1.77% | 0.09% | 1.69% |
| Net Charge-Off Ratio (%) | ▲ | 0.61% | -0.03 | 0.65% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 15.56% | -0.16 | 15.72% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▆▇▄▄▁▁ | Net Interest Margin (%) | 4.08% | 4.10% | 3.92% | 3.97% | 3.79% | 3.80% | 3.57% | 3.52% |
| ██▅▅▂▄▁▁ | Return on Assets (%) | 0.93% | 0.91% | 0.77% | 0.76% | 0.63% | 0.69% | 0.53% | 0.56% |
| ▁▁▅▂█▆▇█ | Efficiency Ratio (%) | 68.6% | 69.4% | 72.5% | 70.3% | 74.8% | 73.8% | 74.1% | 75.7% |
| ▁▁▁▂█▅▅▆ | Cost of Funds (%) | 0.58% | 0.63% | 0.61% | 0.72% | 1.43% | 1.02% | 1.02% | 1.19% |
| ▂▂▁▁▁▁█▁ | NPA / Assets (%) | 0.45% | 0.44% | 0.36% | 0.36% | 0.36% | 0.37% | 0.83% | 0.35% |
| ▂▂▁▁▁▁█▁ | Net Charge-Off Ratio (%) | 0.77% | 0.75% | 0.67% | 0.65% | 0.64% | 0.63% | 1.52% | 0.61% |
| ▁▂▃▅▆▇██ | Tang. Book Value ($M) | $21 | $22 | $22 | $23 | $23 | $24 | $24 | $24 |
| ▁▄▁▃▃▅██ | Gross Loans ($M) | $129 | $132 | $129 | $132 | $131 | $133 | $136 | $137 |
| ▁▂▆▆▄▃█▆ | Total Deposits ($M) | $190 | $197 | $210 | $210 | $203 | $198 | $222 | $212 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 15% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 42% |
| Interest-Bearing (core) | 58% |