Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.42% | +0.27 | 1.15% |
| Return on Equity (%) | ▲ | 18.05% | +0.34 | 17.71% |
| Net Interest Margin (%) | ▲ | 3.39% | +0.40 | 2.99% |
| Efficiency Ratio (%) | ▲ | 52.39% | -6.56 | 58.96% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.71 | $2 |
| Cost of Funds (%) | ▲ | 1.80% | -0.21 | 2.01% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $738 | +65.31 | $673 |
| Gross Loans ($M) | ▲ | $495 | +69.25 | $425 |
| Loan Growth YoY (%) | ▲ | 77.29% | +7.06 | 70.24% |
| Total Deposits ($M) | ▲ | $636 | +33.69 | $602 |
| Shareholders Equity ($M) | ▲ | $59 | +13.07 | $45 |
| Tang. Book Value ($M) | ▲ | $53 | +13.12 | $40 |
| TBV excl. AOCI ($M)** | ▲ | $63 | +12.73 | $51 |
| Loan / Deposit Ratio (%) | ▲ | 77.29% | +7.06 | 70.24% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.12% | +0.12 | 0.00% |
| Allowance / Loans (%) | — | 0.59% | 0.06% | 0.53% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 11.18% | +0.51 | 10.67% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▄▅██ | Net Interest Margin (%) | 2.72% | 2.76% | 2.90% | 2.99% | 3.04% | 3.12% | 3.34% | 3.39% |
| ▁▁▄▅▅▄██ | Return on Assets (%) | 0.86% | 0.93% | 1.12% | 1.15% | 1.19% | 1.12% | 1.43% | 1.42% |
| ██▄▅▄▅▁▂ | Efficiency Ratio (%) | 67.3% | 66.4% | 57.5% | 59.0% | 57.5% | 59.5% | 48.8% | 52.4% |
| █▄▄▄▃▂▁▁ | Cost of Funds (%) | 2.32% | 2.06% | 2.03% | 2.01% | 1.98% | 1.88% | 1.82% | 1.80% |
| ▂▂▁▁▁██▇ | NPA / Assets (%) | 0.02% | 0.02% | 0.00% | 0.00% | 0.01% | 0.14% | 0.14% | 0.12% |
| ██▁▁▃▄▄▁ | Net Charge-Off Ratio (%) | 0.04% | 0.03% | 0.00% | 0.00% | 0.01% | 0.02% | 0.02% | 0.00% |
| ▁▁▁▂▅▇▇█ | Tang. Book Value ($M) | $38 | $36 | $37 | $40 | $46 | $50 | $51 | $53 |
| ▁▃▃▄▅▇██ | Gross Loans ($M) | $368 | $402 | $409 | $425 | $445 | $468 | $484 | $495 |
| ▁▄▃▅▂▇▇█ | Total Deposits ($M) | $567 | $598 | $588 | $602 | $577 | $621 | $627 | $636 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 58% |
| C&I / Commercial | 7% |
| Agricultural | 32% |
| Consumer | 1% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 9% |