Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.02% | +0.16 | 0.85% |
| Return on Equity (%) | ▲ | 13.41% | +0.66 | 12.75% |
| Net Interest Margin (%) | ▲ | 2.97% | +0.28 | 2.70% |
| Efficiency Ratio (%) | ▲ | 63.90% | -3.05 | 66.95% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.12 | $0 |
| Cost of Funds (%) | ▲ | 1.29% | -0.21 | 1.50% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $166 | +10.69 | $155 |
| Gross Loans ($M) | ▲ | $69 | +3.86 | $65 |
| Loan Growth YoY (%) | ▼ | 45.36% | -0.23 | 45.59% |
| Total Deposits ($M) | ▲ | $151 | +9.16 | $142 |
| Shareholders Equity ($M) | ▲ | $13 | +1.62 | $11 |
| Tang. Book Value ($M) | ▲ | $13 | +1.62 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +1.85 | $15 |
| Loan / Deposit Ratio (%) | ▼ | 45.36% | -0.23 | 45.59% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.04% | -0.01% | 1.05% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 17.57% | -0.31 | 17.89% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▂▃▄▇█ | Net Interest Margin (%) | 2.61% | 2.65% | 2.65% | 2.70% | 2.71% | 2.79% | 2.92% | 2.97% |
| ▁▁▃▃▄▅▅█ | Return on Assets (%) | 0.75% | 0.78% | 0.84% | 0.85% | 0.88% | 0.89% | 0.91% | 1.02% |
| ██▄▄▃▃▃▁ | Efficiency Ratio (%) | 70.2% | 70.1% | 66.8% | 67.0% | 65.8% | 65.8% | 65.7% | 63.9% |
| ▁▇▆█▄▆▃▅ | Cost of Funds (%) | 1.08% | 1.45% | 1.38% | 1.50% | 1.26% | 1.38% | 1.19% | 1.29% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▂▄▆▇██ | Tang. Book Value ($M) | $10 | $10 | $11 | $11 | $12 | $12 | $13 | $13 |
| ▁▄▄▅▇██▇ | Gross Loans ($M) | $58 | $64 | $64 | $65 | $70 | $72 | $70 | $69 |
| ▆▃▇▁█▂█▅ | Total Deposits ($M) | $154 | $148 | $156 | $142 | $158 | $144 | $159 | $151 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 63% |
| C&I / Commercial | 15% |
| Agricultural | 19% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 79% |
| Brokered / Other | 7% |