Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.18% | +0.45 | 0.73% |
| Return on Equity (%) | ▲ | 8.32% | +3.37 | 4.95% |
| Net Interest Margin (%) | ▲ | 3.33% | +0.25 | 3.07% |
| Efficiency Ratio (%) | ▲ | 51.90% | -4.09 | 55.99% |
| Pre-Provision Profit ($M) | ▼ | $17 | -0.69 | $18 |
| Cost of Funds (%) | ▲ | 2.31% | -0.16 | 2.47% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $4,267 | +184.36 | $4,083 |
| Gross Loans ($M) | ▲ | $3,309 | +74.76 | $3,235 |
| Loan Growth YoY (%) | ▼ | 93.90% | -3.84 | 97.74% |
| Total Deposits ($M) | ▲ | $3,478 | +220.52 | $3,257 |
| Shareholders Equity ($M) | ▲ | $578 | +0.30 | $578 |
| Tang. Book Value ($M) | ▲ | $500 | +1.51 | $498 |
| TBV excl. AOCI ($M)** | ▲ | $520 | +1.21 | $519 |
| Loan / Deposit Ratio (%) | ▼ | 93.90% | -3.84 | 97.74% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.03% | -0.47 | 1.50% |
| Allowance / Loans (%) | — | 1.32% | -0.26% | 1.58% |
| Net Charge-Off Ratio (%) | ▲ | 0.72% | -1.04 | 1.76% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 19.68% | -0.28 | 19.96% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆██ | Net Interest Margin (%) | 2.88% | 2.91% | 3.03% | 3.07% | 3.13% | 3.16% | 3.32% | 3.33% |
| ▆▅▁▄▅▆██ | Return on Assets (%) | 0.89% | 0.81% | 0.37% | 0.73% | 0.85% | 0.91% | 1.20% | 1.18% |
| ▄▄█▅▄▄▁▁ | Efficiency Ratio (%) | 55.2% | 55.5% | 60.0% | 56.0% | 55.5% | 55.2% | 51.9% | 51.9% |
| █▇▃▃▄▃▁▁ | Cost of Funds (%) | 2.83% | 2.70% | 2.45% | 2.47% | 2.52% | 2.48% | 2.36% | 2.31% |
| ▄█▅▄▃▂▂▁ | NPA / Assets (%) | 1.53% | 2.04% | 1.62% | 1.50% | 1.29% | 1.27% | 1.17% | 1.03% |
| ▆█▅▅▃▃▃▁ | Net Charge-Off Ratio (%) | 1.97% | 2.65% | 1.93% | 1.76% | 1.38% | 1.35% | 1.34% | 0.72% |
| ▅▅▇▁▃▆█▁ | Tang. Book Value ($M) | $520 | $522 | $529 | $498 | $512 | $525 | $537 | $500 |
| ▁▁▃▆████ | Gross Loans ($M) | $3,093 | $3,064 | $3,144 | $3,235 | $3,303 | $3,316 | $3,325 | $3,309 |
| ▁▁▂▄▇▇▆█ | Total Deposits ($M) | $3,129 | $3,118 | $3,171 | $3,257 | $3,421 | $3,400 | $3,386 | $3,478 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 98% |
| C&I / Commercial | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 56% |
| Brokered / Other | 24% |