Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.11% | +0.25 | 0.85% |
| Return on Equity (%) | ▲ | 10.86% | +2.64 | 8.22% |
| Net Interest Margin (%) | ▲ | 4.07% | +0.28 | 3.79% |
| Efficiency Ratio (%) | ▲ | 61.26% | -4.88 | 66.14% |
| Pre-Provision Profit ($M) | ▲ | $6 | +1.36 | $4 |
| Cost of Funds (%) | ▲ | 1.11% | -0.14 | 1.25% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $1,442 | +142.50 | $1,300 |
| Gross Loans ($M) | ▲ | $1,154 | +133.41 | $1,020 |
| Loan Growth YoY (%) | ▲ | 92.00% | +3.43 | 88.57% |
| Total Deposits ($M) | ▲ | $1,239 | +101.24 | $1,138 |
| Shareholders Equity ($M) | ▲ | $148 | +10.30 | $138 |
| Tang. Book Value ($M) | ▲ | $143 | +10.32 | $133 |
| TBV excl. AOCI ($M)** | ▲ | $153 | +10.42 | $143 |
| Loan / Deposit Ratio (%) | ▲ | 92.00% | +3.43 | 88.57% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.55% | -0.10 | 0.65% |
| Allowance / Loans (%) | — | 1.19% | -0.03% | 1.22% |
| Net Charge-Off Ratio (%) | ▲ | 0.68% | -0.14 | 0.83% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.40% | -1.04 | 13.43% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆██ | Net Interest Margin (%) | 3.48% | 3.51% | 3.76% | 3.79% | 3.78% | 3.89% | 4.03% | 4.07% |
| ▁▁▁▂▃▅█▇ | Return on Assets (%) | 0.76% | 0.76% | 0.81% | 0.85% | 0.88% | 1.02% | 1.21% | 1.11% |
| ██▆▅▄▃▁▁ | Efficiency Ratio (%) | 70.2% | 69.8% | 67.7% | 66.1% | 65.2% | 64.4% | 61.6% | 61.3% |
| ██▅▅▄▅▁▂ | Cost of Funds (%) | 1.42% | 1.43% | 1.24% | 1.25% | 1.22% | 1.25% | 1.04% | 1.11% |
| ▁▆▅██▇▇▇ | NPA / Assets (%) | 0.04% | 0.48% | 0.37% | 0.65% | 0.69% | 0.59% | 0.56% | 0.55% |
| ▁▆▄▇█▇▇▆ | Net Charge-Off Ratio (%) | 0.05% | 0.62% | 0.48% | 0.83% | 0.94% | 0.75% | 0.73% | 0.68% |
| ▁▁▂▄▂▅▇█ | Tang. Book Value ($M) | $126 | $125 | $129 | $133 | $129 | $135 | $139 | $143 |
| ▁▁▁▂▃▅▆█ | Gross Loans ($M) | $976 | $990 | $995 | $1,020 | $1,042 | $1,082 | $1,099 | $1,154 |
| ▂▁▂▁█▅█▇ | Total Deposits ($M) | $1,140 | $1,121 | $1,142 | $1,138 | $1,275 | $1,214 | $1,268 | $1,239 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 91% |
| C&I / Commercial | 7% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 40% |
| Interest-Bearing (core) | 55% |
| Brokered / Other | 5% |