Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.60% | +1.10 | 0.51% |
| Return on Equity (%) | ▲ | 15.36% | +10.71 | 4.65% |
| Net Interest Margin (%) | ▲ | 4.57% | +2.69 | 1.88% |
| Efficiency Ratio (%) | ▲ | 64.89% | -5.32 | 70.21% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.71 | $0 |
| Cost of Funds (%) | ▼ | 2.03% | +1.47 | 0.56% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $230 | +16.14 | $213 |
| Gross Loans ($M) | ▲ | $192 | +25.84 | $166 |
| Loan Growth YoY (%) | ▲ | 93.33% | +6.10 | 87.23% |
| Total Deposits ($M) | ▲ | $203 | +15.25 | $188 |
| Shareholders Equity ($M) | ▲ | $24 | +1.64 | $22 |
| Tang. Book Value ($M) | ▲ | $24 | +1.64 | $22 |
| TBV excl. AOCI ($M)** | ▲ | $25 | +1.39 | $24 |
| Loan / Deposit Ratio (%) | ▲ | 93.33% | +6.10 | 87.23% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.50% | -0.35 | 0.85% |
| Allowance / Loans (%) | — | 1.11% | -0.09% | 1.20% |
| Net Charge-Off Ratio (%) | ▲ | 0.60% | -0.50 | 1.10% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▅▄▁▅▇██ | Net Interest Margin (%) | 3.53% | 3.45% | 3.01% | 1.88% | 3.39% | 4.11% | 4.58% | 4.57% |
| ▂▂▁▂▇███ | Return on Assets (%) | 0.38% | 0.40% | 0.19% | 0.51% | 1.33% | 1.50% | 1.60% | 1.60% |
| ▆▆█▃▁▁▂▂ | Efficiency Ratio (%) | 81.1% | 81.8% | 91.4% | 70.2% | 59.1% | 62.8% | 66.2% | 64.9% |
| ▃▄▅▁████ | Cost of Funds (%) | 1.00% | 1.19% | 1.42% | 0.56% | 2.05% | 2.04% | 1.89% | 2.03% |
| ▆▃▃▇▂█▁▃ | NPA / Assets (%) | 0.78% | 0.48% | 0.52% | 0.85% | 0.39% | 1.03% | 0.28% | 0.50% |
| █▅▅▇▂█▁▃ | Net Charge-Off Ratio (%) | 1.25% | 0.93% | 0.95% | 1.10% | 0.49% | 1.33% | 0.36% | 0.60% |
| ▁▁▁█████ | Tang. Book Value ($M) | $8 | $8 | $8 | $22 | $23 | $24 | $24 | $24 |
| ▁▁▁▇▇▇██ | Gross Loans ($M) | $38 | $33 | $33 | $166 | $172 | $170 | $181 | $192 |
| ▁▁▁█████ | Total Deposits ($M) | $51 | $57 | $53 | $188 | $187 | $193 | $204 | $203 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 6% |
| Agricultural | 8% |
| Consumer | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 8% |