Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.28% | -0.86 | 2.14% |
| Return on Equity (%) | ▼ | 12.91% | -9.11 | 22.02% |
| Net Interest Margin (%) | ▲ | 5.26% | +0.10 | 5.16% |
| Efficiency Ratio (%) | ▼ | 66.77% | +16.76 | 50.02% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.54 | $2 |
| Cost of Funds (%) | ▲ | 1.04% | -0.10 | 1.14% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $261 | +24.74 | $236 |
| Gross Loans ($M) | ▲ | $203 | +20.06 | $183 |
| Loan Growth YoY (%) | ▼ | 85.75% | -1.74 | 87.49% |
| Total Deposits ($M) | ▲ | $234 | +27.31 | $207 |
| Shareholders Equity ($M) | ▲ | $25 | +1.79 | $24 |
| Tang. Book Value ($M) | ▲ | $25 | +1.79 | $24 |
| Loan / Deposit Ratio (%) | ▼ | 85.75% | -1.74 | 87.49% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.09% | 0.01% | 1.09% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.80% | -0.97 | 13.77% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆▇█▇▇█ | Net Interest Margin (%) | 4.75% | 4.84% | 5.09% | 5.16% | 5.21% | 5.18% | 5.17% | 5.26% |
| █▆███▆▃▁ | Return on Assets (%) | 2.04% | 1.87% | 2.14% | 2.14% | 2.04% | 1.87% | 1.53% | 1.28% |
| ▁▃▁▁▂▃▇█ | Efficiency Ratio (%) | 48.6% | 53.6% | 48.9% | 50.0% | 52.0% | 54.5% | 63.3% | 66.8% |
| █▆▃▂▃▃▂▁ | Cost of Funds (%) | 1.46% | 1.35% | 1.17% | 1.14% | 1.15% | 1.18% | 1.11% | 1.04% |
| ▁██▁▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.29% | 0.28% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁██▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.36% | 0.38% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▄▄▅▆██ | Tang. Book Value ($M) | $22 | $22 | $23 | $24 | $24 | $24 | $25 | $25 |
| ▅▄▁▂▁▁▃█ | Gross Loans ($M) | $191 | $187 | $179 | $183 | $177 | $176 | $186 | $203 |
| ▅▁▂▁▃▄▆█ | Total Deposits ($M) | $222 | $206 | $213 | $207 | $215 | $218 | $227 | $234 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 98% |
| C&I / Commercial | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 31% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 4% |