Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.52% | -0.06 | 1.58% |
| Return on Equity (%) | ▲ | 14.25% | +0.84 | 13.41% |
| Net Interest Margin (%) | ▼ | 4.69% | -0.42 | 5.11% |
| Efficiency Ratio (%) | ▲ | 61.42% | -1.78 | 63.20% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.07 | $1 |
| Cost of Funds (%) | ▲ | 2.29% | -0.17 | 2.47% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $228 | +37.55 | $190 |
| Gross Loans ($M) | ▲ | $173 | +28.51 | $145 |
| Loan Growth YoY (%) | ▼ | 86.16% | -1.02 | 87.18% |
| Total Deposits ($M) | ▲ | $199 | +34.83 | $164 |
| Shareholders Equity ($M) | ▲ | $25 | +2.46 | $22 |
| Tang. Book Value ($M) | ▲ | $24 | +2.48 | $22 |
| TBV excl. AOCI ($M)** | ▲ | $25 | +3.08 | $22 |
| Loan / Deposit Ratio (%) | ▼ | 86.16% | -1.02 | 87.18% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.10% | -0.10% | 1.19% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 13.64% | -1.06 | 14.71% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▅▄▅▄▁▁ | Net Interest Margin (%) | 5.68% | 5.63% | 5.22% | 5.11% | 5.20% | 5.13% | 4.75% | 4.69% |
| ▁▁█▅▅▆▄▃ | Return on Assets (%) | 1.45% | 1.44% | 1.72% | 1.58% | 1.60% | 1.64% | 1.55% | 1.52% |
| ██▂▄▃▂▁▃ | Efficiency Ratio (%) | 67.8% | 66.8% | 60.8% | 63.2% | 61.6% | 60.9% | 59.2% | 61.4% |
| █▄▄▄▃▂▁▁ | Cost of Funds (%) | 2.71% | 2.45% | 2.47% | 2.47% | 2.38% | 2.32% | 2.26% | 2.29% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▃▃▄▆▇█ | Tang. Book Value ($M) | $21 | $21 | $22 | $22 | $23 | $23 | $24 | $24 |
| ▁▂▃▃▇███ | Gross Loans ($M) | $135 | $143 | $145 | $145 | $166 | $170 | $169 | $173 |
| ▁▂▃▃▅▆██ | Total Deposits ($M) | $143 | $152 | $160 | $164 | $177 | $184 | $204 | $199 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 94% |
| C&I / Commercial | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 18% |