Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.98% | +0.01 | 0.97% |
| Return on Equity (%) | ▼ | 10.47% | -1.21 | 11.68% |
| Net Interest Margin (%) | ▲ | 3.56% | +0.04 | 3.52% |
| Efficiency Ratio (%) | ▲ | 69.17% | -1.54 | 70.71% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.03 | $1 |
| Cost of Funds (%) | ▲ | 1.37% | -0.08 | 1.45% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $303 | +15.85 | $288 |
| Gross Loans ($M) | ▲ | $169 | +13.35 | $156 |
| Loan Growth YoY (%) | ▲ | 61.29% | +1.48 | 59.81% |
| Total Deposits ($M) | ▲ | $274 | +15.51 | $259 |
| Shareholders Equity ($M) | ▲ | $29 | +4.13 | $24 |
| Tang. Book Value ($M) | ▲ | $25 | +4.13 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $30 | +4.22 | $26 |
| Loan / Deposit Ratio (%) | ▲ | 61.29% | +1.48 | 59.81% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.40% | -0.11 | 0.51% |
| Allowance / Loans (%) | — | 0.82% | -0.05% | 0.87% |
| Net Charge-Off Ratio (%) | ▲ | 0.20% | -0.52 | 0.71% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.96% | +0.10 | 14.86% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆▆▇███ | Net Interest Margin (%) | 3.40% | 3.43% | 3.51% | 3.52% | 3.53% | 3.55% | 3.55% | 3.56% |
| █▁▃▂▄▁▄▃ | Return on Assets (%) | 1.16% | 0.91% | 1.00% | 0.97% | 1.01% | 0.94% | 1.03% | 0.98% |
| ▁▆▅█▆█▁▆ | Efficiency Ratio (%) | 65.2% | 69.1% | 68.6% | 70.7% | 69.6% | 71.4% | 65.2% | 69.2% |
| █▄▁▇▇▇▄▃ | Cost of Funds (%) | 1.47% | 1.38% | 1.32% | 1.45% | 1.44% | 1.44% | 1.38% | 1.37% |
| ▂▁▁█▅▅█▆ | NPA / Assets (%) | 0.20% | 0.13% | 0.14% | 0.51% | 0.36% | 0.36% | 0.50% | 0.40% |
| ▂▁▁▇▆▆█▂ | Net Charge-Off Ratio (%) | 0.14% | 0.02% | 0.04% | 0.71% | 0.67% | 0.64% | 0.92% | 0.20% |
| ▄▁▁▂▇███ | Tang. Book Value ($M) | $22 | $20 | $21 | $21 | $24 | $25 | $25 | $25 |
| ▁▁▁▁▄█▆▇ | Gross Loans ($M) | $155 | $154 | $156 | $156 | $162 | $172 | $166 | $169 |
| ▁▁▆▁▇███ | Total Deposits ($M) | $257 | $257 | $270 | $259 | $273 | $276 | $276 | $274 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 52% |
| C&I / Commercial | 20% |
| Agricultural | 26% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 5% |