Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.19% | +0.32 | 0.87% |
| Return on Equity (%) | ▲ | 9.56% | +3.03 | 6.53% |
| Net Interest Margin (%) | ▲ | 4.35% | +0.18 | 4.18% |
| Efficiency Ratio (%) | ▲ | 61.18% | -8.22 | 69.41% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.16 | $1 |
| Cost of Funds (%) | ▲ | 2.63% | -0.03 | 2.66% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $202 | +28.96 | $173 |
| Gross Loans ($M) | ▲ | $176 | +23.16 | $153 |
| Loan Growth YoY (%) | ▼ | 98.93% | -1.75 | 100.67% |
| Total Deposits ($M) | ▲ | $176 | +25.81 | $150 |
| Shareholders Equity ($M) | ▲ | $25 | +2.87 | $23 |
| Tang. Book Value ($M) | ▲ | $25 | +2.89 | $22 |
| Loan / Deposit Ratio (%) | ▼ | 98.93% | -1.75 | 100.67% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.25% | +0.17 | 0.08% |
| Allowance / Loans (%) | — | 1.16% | -0.01% | 1.17% |
| Net Charge-Off Ratio (%) | ▼ | 0.29% | +0.20 | 0.09% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▇████ | Net Interest Margin (%) | 3.56% | 3.63% | 3.99% | 4.18% | 4.30% | 4.33% | 4.37% | 4.35% |
| ▁▂▂▄▆▇█▇ | Return on Assets (%) | 0.56% | 0.66% | 0.71% | 0.87% | 1.03% | 1.12% | 1.28% | 1.19% |
| █▇▇▅▃▃▁▁ | Efficiency Ratio (%) | 76.9% | 74.7% | 74.3% | 69.4% | 66.2% | 64.8% | 60.0% | 61.2% |
| █▆▃▂▄▂▁▂ | Cost of Funds (%) | 3.32% | 3.09% | 2.78% | 2.66% | 2.86% | 2.68% | 2.47% | 2.63% |
| ██▁▃▁▁▁█ | NPA / Assets (%) | 0.25% | 0.24% | 0.00% | 0.08% | 0.00% | 0.00% | 0.00% | 0.25% |
| ▁▁▁▃▁▁▁█ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.09% | 0.00% | 0.00% | 0.00% | 0.29% |
| ▁▂▂▂▃▅▇█ | Tang. Book Value ($M) | $22 | $22 | $23 | $22 | $23 | $24 | $24 | $25 |
| ▁▁▂▃▅▆▇█ | Gross Loans ($M) | $142 | $146 | $147 | $153 | $160 | $166 | $170 | $176 |
| ▁▁▁▂▄▆██ | Total Deposits ($M) | $143 | $144 | $144 | $150 | $157 | $167 | $175 | $176 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 93% |
| C&I / Commercial | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 10% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 27% |