Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | -0.02% | -0.81 | 0.78% |
| Return on Equity (%) | ▼ | -0.19% | -6.05 | 5.86% |
| Net Interest Margin (%) | ▼ | 3.44% | -0.61 | 4.05% |
| Efficiency Ratio (%) | ▼ | 91.39% | +17.46 | 73.93% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.91 | $1 |
| Cost of Funds (%) | ▲ | 2.65% | -0.35 | 3.00% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $304 | +37.02 | $267 |
| Gross Loans ($M) | ▲ | $248 | +20.72 | $228 |
| Loan Growth YoY (%) | ▲ | 115.55% | +2.77 | 112.77% |
| Total Deposits ($M) | ▲ | $213 | +13.23 | $200 |
| Shareholders Equity ($M) | ▲ | $36 | +0.22 | $36 |
| Tang. Book Value ($M) | ▲ | $36 | +0.23 | $36 |
| TBV excl. AOCI ($M)** | ▲ | $37 | +0.65 | $36 |
| Loan / Deposit Ratio (%) | ▲ | 115.55% | +2.77 | 112.77% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 3.99% | +1.48 | 2.50% |
| Allowance / Loans (%) | — | 0.99% | -0.14% | 1.13% |
| Net Charge-Off Ratio (%) | ▼ | 4.49% | +1.55 | 2.94% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂██▅▂▂ | Net Interest Margin (%) | 3.32% | 3.36% | 3.46% | 4.05% | 3.99% | 3.74% | 3.45% | 3.44% |
| ▄▄▄██▆▃▁ | Return on Assets (%) | 0.30% | 0.36% | 0.36% | 0.78% | 0.72% | 0.52% | 0.23% | -0.02% |
| ▆▅▆▁▁▄▆█ | Efficiency Ratio (%) | 86.0% | 84.8% | 85.3% | 73.9% | 75.2% | 80.6% | 86.8% | 91.4% |
| ██▄▃▄▂▁▁ | Cost of Funds (%) | 3.65% | 3.59% | 3.13% | 3.00% | 3.07% | 2.89% | 2.76% | 2.65% |
| ▁▁▃▂█▅▄▅ | NPA / Assets (%) | 1.79% | 1.48% | 2.67% | 2.50% | 5.90% | 3.97% | 3.21% | 3.99% |
| ▁▁▃▂█▅▃▅ | Net Charge-Off Ratio (%) | 2.10% | 1.87% | 3.25% | 2.94% | 6.99% | 4.87% | 3.54% | 4.49% |
| ▁▁▃▆███▇ | Tang. Book Value ($M) | $34 | $34 | $35 | $36 | $36 | $36 | $36 | $36 |
| ▃▁▂▅▄▄▄█ | Gross Loans ($M) | $217 | $206 | $213 | $228 | $226 | $222 | $226 | $248 |
| ▁▄▄▄▄▆▆█ | Total Deposits ($M) | $188 | $198 | $198 | $200 | $199 | $204 | $204 | $213 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 13% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 22% |