Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.54% | +0.05 | 1.49% |
| Return on Equity (%) | ▼ | 12.99% | -0.90 | 13.89% |
| Net Interest Margin (%) | ▲ | 3.38% | +0.28 | 3.10% |
| Efficiency Ratio (%) | ▼ | 53.29% | +1.08 | 52.21% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.00 | $1 |
| Cost of Funds (%) | ▲ | 1.45% | -0.14 | 1.59% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $291 | +12.38 | $279 |
| Gross Loans ($M) | ▲ | $169 | +11.60 | $157 |
| Loan Growth YoY (%) | ▲ | 67.27% | +3.34 | 63.93% |
| Total Deposits ($M) | ▲ | $248 | +5.41 | $243 |
| Shareholders Equity ($M) | ▲ | $35 | +3.08 | $32 |
| Tang. Book Value ($M) | ▲ | $35 | +3.08 | $32 |
| TBV excl. AOCI ($M)** | ▲ | $40 | +3.13 | $37 |
| Loan / Deposit Ratio (%) | ▲ | 67.27% | +3.34 | 63.93% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.31% | +0.04 | 0.27% |
| Allowance / Loans (%) | — | 1.02% | -0.16% | 1.18% |
| Net Charge-Off Ratio (%) | ▼ | 0.53% | +0.05 | 0.49% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▆▆▇██ | Net Interest Margin (%) | 2.58% | 2.65% | 2.92% | 3.10% | 3.17% | 3.21% | 3.33% | 3.38% |
| ▁▁▇▇▇▇▇█ | Return on Assets (%) | 1.11% | 1.14% | 1.47% | 1.49% | 1.48% | 1.45% | 1.47% | 1.54% |
| ██▁▁▁▂▂▂ | Efficiency Ratio (%) | 59.7% | 58.9% | 52.7% | 52.2% | 52.7% | 53.3% | 53.8% | 53.3% |
| ██▃▂▃▂▁▁ | Cost of Funds (%) | 1.98% | 2.01% | 1.60% | 1.59% | 1.63% | 1.58% | 1.49% | 1.45% |
| ▄█▆▆█▁▂█ | NPA / Assets (%) | 0.23% | 0.30% | 0.27% | 0.27% | 0.30% | 0.18% | 0.20% | 0.31% |
| ▄▇▆▇█▁▂█ | Net Charge-Off Ratio (%) | 0.40% | 0.48% | 0.46% | 0.49% | 0.53% | 0.31% | 0.36% | 0.53% |
| ▂▁▃▄▆▇██ | Tang. Book Value ($M) | $30 | $29 | $30 | $32 | $33 | $34 | $34 | $35 |
| ▃▆▁▃▃▆▄█ | Gross Loans ($M) | $158 | $163 | $152 | $157 | $157 | $163 | $160 | $169 |
| ▃▅█▁▄██▅ | Total Deposits ($M) | $245 | $248 | $251 | $243 | $246 | $251 | $250 | $248 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 43% |
| C&I / Commercial | 12% |
| Agricultural | 18% |
| Consumer | 8% |
| Other | 19% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 8% |