Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.39% | -1.26 | 1.65% |
| Return on Equity (%) | ▼ | 2.13% | -5.98 | 8.11% |
| Net Interest Margin (%) | ▼ | 3.73% | -0.11 | 3.85% |
| Efficiency Ratio (%) | ▼ | 92.63% | +25.38 | 67.25% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.94 | $1 |
| Cost of Funds (%) | ▲ | 1.37% | -0.44 | 1.81% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $253 | +47.63 | $206 |
| Gross Loans ($M) | ▼ | $153 | -3.33 | $156 |
| Loan Growth YoY (%) | ▼ | 73.97% | -23.90 | 97.87% |
| Total Deposits ($M) | ▲ | $205 | +46.65 | $158 |
| Shareholders Equity ($M) | ▲ | $43 | +0.92 | $42 |
| Tang. Book Value ($M) | ▲ | $37 | +1.02 | $36 |
| Loan / Deposit Ratio (%) | ▼ | 73.97% | -23.90 | 97.87% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.41% | +0.36 | 0.05% |
| Allowance / Loans (%) | — | 0.74% | -0.03% | 0.77% |
| Net Charge-Off Ratio (%) | ▼ | 0.68% | +0.61 | 0.07% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▃▄▃▇▆▁ | Net Interest Margin (%) | 3.97% | 3.93% | 3.80% | 3.85% | 3.80% | 3.93% | 3.90% | 3.73% |
| ▁▃███▇▂▁ | Return on Assets (%) | 0.47% | 0.83% | 1.57% | 1.65% | 1.49% | 1.48% | 0.61% | 0.39% |
| █▅▂▁▁▁██ | Efficiency Ratio (%) | 89.5% | 82.8% | 70.5% | 67.2% | 69.3% | 69.5% | 91.2% | 92.6% |
| █▁▇█▃▅▂▁ | Cost of Funds (%) | 1.79% | 1.41% | 1.74% | 1.81% | 1.52% | 1.64% | 1.47% | 1.37% |
| ▁▃▄▂▅▄▄█ | NPA / Assets (%) | 0.00% | 0.15% | 0.17% | 0.05% | 0.21% | 0.20% | 0.20% | 0.41% |
| ▁▃▃▁▄▄▄█ | Net Charge-Off Ratio (%) | 0.00% | 0.23% | 0.24% | 0.07% | 0.31% | 0.26% | 0.31% | 0.68% |
| ▁▂▃▅▆██▇ | Tang. Book Value ($M) | $33 | $34 | $35 | $36 | $36 | $37 | $37 | $37 |
| ▁▃▄▇███▇ | Gross Loans ($M) | $116 | $132 | $139 | $156 | $162 | $165 | $160 | $153 |
| ▁▃▃▃▇▅▇█ | Total Deposits ($M) | $133 | $158 | $154 | $158 | $187 | $172 | $192 | $205 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 57% |
| C&I / Commercial | 43% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 35% |
| Interest-Bearing (core) | 56% |
| Brokered / Other | 9% |