Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.44% | +0.07 | 0.37% |
| Return on Equity (%) | ▲ | 4.44% | +0.54 | 3.90% |
| Net Interest Margin (%) | ▲ | 3.99% | +0.08 | 3.91% |
| Efficiency Ratio (%) | ▲ | 86.28% | -0.63 | 86.90% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.08 | $0 |
| Cost of Funds (%) | ▲ | 0.80% | -0.04 | 0.84% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $263 | +5.54 | $257 |
| Gross Loans ($M) | ▼ | $213 | -0.01 | $213 |
| Loan Growth YoY (%) | ▼ | 92.17% | -1.56 | 93.73% |
| Total Deposits ($M) | ▲ | $229 | +3.81 | $226 |
| Shareholders Equity ($M) | ▲ | $26 | +0.83 | $26 |
| Tang. Book Value ($M) | ▲ | $26 | +0.87 | $25 |
| Loan / Deposit Ratio (%) | ▼ | 92.17% | -1.56 | 93.73% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.24% | +0.15 | 0.09% |
| Allowance / Loans (%) | — | 0.60% | -0.00% | 0.60% |
| Net Charge-Off Ratio (%) | ▼ | 0.30% | +0.19 | 0.10% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 16.99% | +0.73 | 16.26% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▄▁▃▅▄▅█ | Net Interest Margin (%) | 3.93% | 3.91% | 3.87% | 3.91% | 3.94% | 3.92% | 3.94% | 3.99% |
| ▃▁█▁▂▃▆▆ | Return on Assets (%) | 0.41% | 0.39% | 0.48% | 0.37% | 0.40% | 0.40% | 0.44% | 0.44% |
| ▃▆▁▇▅▅█▃ | Efficiency Ratio (%) | 86.2% | 86.7% | 85.8% | 86.9% | 86.5% | 86.5% | 87.2% | 86.3% |
| ▃▃▁▇█▆▄▄ | Cost of Funds (%) | 0.78% | 0.77% | 0.74% | 0.84% | 0.86% | 0.82% | 0.79% | 0.80% |
| ▁▁▁▁▁▃█▄ | NPA / Assets (%) | 0.09% | 0.10% | 0.09% | 0.09% | 0.09% | 0.17% | 0.41% | 0.24% |
| ▁▁▁▁▁▃█▄ | Net Charge-Off Ratio (%) | 0.11% | 0.12% | 0.12% | 0.10% | 0.10% | 0.22% | 0.51% | 0.30% |
| ▁▁▅▆▇███ | Tang. Book Value ($M) | $24 | $24 | $25 | $25 | $26 | $26 | $26 | $26 |
| ▂█▁█▆▄██ | Gross Loans ($M) | $209 | $212 | $209 | $213 | $211 | $210 | $212 | $213 |
| ▂▄█▂▁▆▄▄ | Total Deposits ($M) | $226 | $230 | $239 | $226 | $223 | $234 | $230 | $229 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 99% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 11% |