Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.03% | +0.40 | 0.63% |
| Return on Equity (%) | ▲ | 11.58% | +3.40 | 8.18% |
| Net Interest Margin (%) | ▲ | 2.43% | +0.46 | 1.98% |
| Efficiency Ratio (%) | ▲ | 56.95% | -11.85 | 68.79% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.34 | $1 |
| Cost of Funds (%) | ▲ | 1.60% | -0.10 | 1.69% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $332 | +11.50 | $321 |
| Gross Loans ($M) | ▲ | $177 | +17.15 | $160 |
| Loan Growth YoY (%) | ▲ | 63.87% | +4.73 | 59.14% |
| Total Deposits ($M) | ▲ | $276 | +6.77 | $269 |
| Shareholders Equity ($M) | ▲ | $31 | +3.91 | $27 |
| Tang. Book Value ($M) | ▲ | $31 | +3.91 | $27 |
| TBV excl. AOCI ($M)** | ▲ | $38 | +3.68 | $35 |
| Loan / Deposit Ratio (%) | ▲ | 63.87% | +4.73 | 59.14% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.45% | +0.20 | 0.26% |
| Allowance / Loans (%) | — | 0.49% | 0.01% | 0.47% |
| Net Charge-Off Ratio (%) | ▼ | 0.85% | +0.33 | 0.52% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 24.17% | -2.13 | 26.31% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▆██ | Net Interest Margin (%) | 1.41% | 1.48% | 1.89% | 1.98% | 2.06% | 2.12% | 2.35% | 2.43% |
| ▁▁▄▅▆▆██ | Return on Assets (%) | 0.07% | 0.13% | 0.52% | 0.63% | 0.70% | 0.74% | 0.96% | 1.03% |
| █▇▄▃▂▂▁▁ | Efficiency Ratio (%) | 97.1% | 91.7% | 73.9% | 68.8% | 66.1% | 63.7% | 58.0% | 56.9% |
| █▄▄▂▃▁▂▁ | Cost of Funds (%) | 2.11% | 1.82% | 1.78% | 1.69% | 1.71% | 1.57% | 1.67% | 1.60% |
| ▄▂▁▁▃▄▄█ | NPA / Assets (%) | 0.34% | 0.30% | 0.28% | 0.26% | 0.31% | 0.34% | 0.34% | 0.45% |
| ▆▃▂▁▃▅▄█ | Net Charge-Off Ratio (%) | 0.74% | 0.62% | 0.56% | 0.52% | 0.61% | 0.69% | 0.68% | 0.85% |
| ▂▁▃▅▆▇██ | Tang. Book Value ($M) | $24 | $23 | $25 | $27 | $29 | $30 | $30 | $31 |
| ▁▄▄▄▅▇▇█ | Gross Loans ($M) | $145 | $157 | $158 | $160 | $162 | $172 | $173 | $177 |
| ▁▆▄▃▁██▅ | Total Deposits ($M) | $259 | $278 | $274 | $269 | $263 | $290 | $287 | $276 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 88% |
| C&I / Commercial | 3% |
| Agricultural | 3% |
| Consumer | 1% |
| Other | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 3% |