Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.34% | +0.09 | 1.25% |
| Return on Equity (%) | ▲ | 14.63% | +0.78 | 13.85% |
| Net Interest Margin (%) | ▲ | 3.78% | +0.20 | 3.57% |
| Efficiency Ratio (%) | ▲ | 47.54% | -2.84 | 50.39% |
| Pre-Provision Profit ($M) | ▲ | $52 | +9.57 | $42 |
| Cost of Funds (%) | ▲ | 1.30% | -0.12 | 1.42% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $9,409 | +785.62 | $8,623 |
| Gross Loans ($M) | ▲ | $5,150 | +432.65 | $4,717 |
| Loan Growth YoY (%) | ▼ | 59.88% | -0.15 | 60.02% |
| Total Deposits ($M) | ▲ | $8,485 | +725.20 | $7,760 |
| Shareholders Equity ($M) | ▲ | $870 | +76.33 | $793 |
| Tang. Book Value ($M) | ▲ | $856 | +76.83 | $779 |
| TBV excl. AOCI ($M)** | ▲ | $1,046 | +94.47 | $952 |
| Loan / Deposit Ratio (%) | ▼ | 59.88% | -0.15 | 60.02% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.09% | +0.68 | 0.41% |
| Allowance / Loans (%) | — | 1.34% | 0.09% | 1.25% |
| Net Charge-Off Ratio (%) | ▼ | 1.99% | +1.25 | 0.75% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 14.78% | -0.06 | 14.84% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▁▁▂▃▅█ | Net Interest Margin (%) | 3.56% | 3.60% | 3.57% | 3.57% | 3.61% | 3.63% | 3.70% | 3.78% |
| █▇▄▄▅▅▁█ | Return on Assets (%) | 1.35% | 1.32% | 1.24% | 1.25% | 1.26% | 1.26% | 1.15% | 1.34% |
| ▁▂█▅▅▆▁▁ | Efficiency Ratio (%) | 47.3% | 48.2% | 52.5% | 50.4% | 50.0% | 50.8% | 47.8% | 47.5% |
| ▆▅▆▆█▃▁▂ | Cost of Funds (%) | 1.43% | 1.40% | 1.43% | 1.42% | 1.50% | 1.33% | 1.25% | 1.30% |
| ▁▁▂▂▁▁██ | NPA / Assets (%) | 0.34% | 0.37% | 0.41% | 0.41% | 0.26% | 0.32% | 1.08% | 1.09% |
| ▁▁▂▂▁▁██ | Net Charge-Off Ratio (%) | 0.62% | 0.64% | 0.72% | 0.75% | 0.48% | 0.58% | 1.96% | 1.99% |
| ▂▁▃▄▄▅▇█ | Tang. Book Value ($M) | $733 | $707 | $746 | $779 | $766 | $799 | $822 | $856 |
| ▁▂▂▂▃▆▇█ | Gross Loans ($M) | $4,587 | $4,711 | $4,681 | $4,717 | $4,791 | $4,960 | $5,034 | $5,150 |
| ▃▁▂▄▄▅▇█ | Total Deposits ($M) | $7,617 | $7,233 | $7,456 | $7,760 | $7,832 | $7,993 | $8,212 | $8,485 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 25% |
| Consumer | 6% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 39% |
| Interest-Bearing (core) | 57% |
| Brokered / Other | 4% |