Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.58% | -0.19 | 1.76% |
| Return on Equity (%) | ▼ | 12.31% | -3.25 | 15.56% |
| Net Interest Margin (%) | ▼ | 4.28% | -0.11 | 4.39% |
| Efficiency Ratio (%) | ▼ | 54.11% | +2.76 | 51.35% |
| Pre-Provision Profit ($M) | ▼ | $4 | -0.13 | $5 |
| Cost of Funds (%) | ▲ | 0.86% | -0.05 | 0.92% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $790 | +12.47 | $778 |
| Gross Loans ($M) | ▼ | $390 | -7.78 | $398 |
| Loan Growth YoY (%) | ▼ | 56.76% | -1.10 | 57.87% |
| Total Deposits ($M) | ▼ | $678 | -0.87 | $679 |
| Shareholders Equity ($M) | ▲ | $99 | +10.79 | $88 |
| Tang. Book Value ($M) | ▲ | $98 | +10.79 | $88 |
| TBV excl. AOCI ($M)** | ▲ | $113 | +12.14 | $101 |
| Loan / Deposit Ratio (%) | ▼ | 56.76% | -1.10 | 57.87% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.90% | +0.09 | 0.81% |
| Allowance / Loans (%) | — | 1.26% | 0.07% | 1.19% |
| Net Charge-Off Ratio (%) | ▼ | 1.63% | +0.27 | 1.35% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 22.73% | +2.57 | 20.16% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▂▂▃▃▁▁ | Net Interest Margin (%) | 4.98% | 4.83% | 4.38% | 4.39% | 4.43% | 4.41% | 4.21% | 4.28% |
| ██▄▄▄▄▁▁ | Return on Assets (%) | 2.15% | 2.11% | 1.78% | 1.76% | 1.79% | 1.80% | 1.52% | 1.58% |
| ▁▁▅▅▄▄█▇ | Efficiency Ratio (%) | 46.4% | 46.1% | 51.4% | 51.3% | 50.6% | 50.6% | 55.7% | 54.1% |
| ▁▆██▇▅▆▆ | Cost of Funds (%) | 0.77% | 0.87% | 0.90% | 0.92% | 0.89% | 0.85% | 0.87% | 0.86% |
| ▁█▃▇▄▂▆█ | NPA / Assets (%) | 0.45% | 0.88% | 0.58% | 0.81% | 0.64% | 0.52% | 0.73% | 0.90% |
| ▁█▃▆▃▂▅█ | Net Charge-Off Ratio (%) | 0.72% | 1.57% | 0.98% | 1.35% | 1.06% | 0.87% | 1.29% | 1.63% |
| ▁▁▃▂▆██▆ | Tang. Book Value ($M) | $85 | $85 | $91 | $88 | $97 | $101 | $103 | $98 |
| ██▆▅▁▁▂▃ | Gross Loans ($M) | $407 | $408 | $399 | $398 | $382 | $381 | $385 | $390 |
| ▃█▂▅▁▆▃▅ | Total Deposits ($M) | $672 | $695 | $664 | $679 | $659 | $682 | $670 | $678 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 70% |
| C&I / Commercial | 27% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 41% |
| Interest-Bearing (core) | 57% |
| Brokered / Other | 2% |