Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.85% | +0.14 | 1.71% |
| Return on Equity (%) | ▲ | 13.76% | +0.69 | 13.07% |
| Net Interest Margin (%) | ▲ | 4.34% | +0.12 | 4.22% |
| Efficiency Ratio (%) | ▲ | 41.49% | -2.89 | 44.38% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.22 | $1 |
| Cost of Funds (%) | ▲ | 1.78% | -0.14 | 1.92% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $232 | +17.37 | $214 |
| Gross Loans ($M) | ▲ | $178 | +23.57 | $155 |
| Loan Growth YoY (%) | ▲ | 90.06% | +7.27 | 82.79% |
| Total Deposits ($M) | ▲ | $196 | +10.92 | $185 |
| Shareholders Equity ($M) | ▲ | $31 | +2.25 | $29 |
| Tang. Book Value ($M) | ▲ | $31 | +2.25 | $29 |
| TBV excl. AOCI ($M)** | ▲ | $32 | +2.14 | $30 |
| Loan / Deposit Ratio (%) | ▲ | 90.06% | +7.27 | 82.79% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.19% | -0.17 | 0.36% |
| Allowance / Loans (%) | — | 1.25% | 0.00% | 1.25% |
| Net Charge-Off Ratio (%) | ▲ | 0.24% | -0.25 | 0.49% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▂▄▇▇▆█ | Net Interest Margin (%) | 4.11% | 4.14% | 4.15% | 4.22% | 4.29% | 4.31% | 4.27% | 4.34% |
| █▅▁▁▁▂▂▃ | Return on Assets (%) | 2.31% | 2.02% | 1.67% | 1.71% | 1.74% | 1.77% | 1.77% | 1.85% |
| ▁██▇▆▆▅▃ | Efficiency Ratio (%) | 39.2% | 45.5% | 45.2% | 44.4% | 43.9% | 43.3% | 43.1% | 41.5% |
| █▇▆▆▆▅▂▁ | Cost of Funds (%) | 2.00% | 1.95% | 1.92% | 1.92% | 1.92% | 1.89% | 1.83% | 1.78% |
| █▁▁▂▅▆▁▁ | NPA / Assets (%) | 1.43% | 0.21% | 0.24% | 0.36% | 0.92% | 0.99% | 0.23% | 0.19% |
| █▁▁▂▅▆▁▁ | Net Charge-Off Ratio (%) | 1.98% | 0.31% | 0.35% | 0.49% | 1.26% | 1.34% | 0.31% | 0.24% |
| ▁▁▂▄▅▆▇█ | Tang. Book Value ($M) | $27 | $27 | $28 | $29 | $29 | $30 | $30 | $31 |
| ▁▁▁▂▃▄▆█ | Gross Loans ($M) | $148 | $148 | $148 | $155 | $156 | $160 | $169 | $178 |
| ▁▄▄▄▄▄██ | Total Deposits ($M) | $176 | $184 | $186 | $185 | $184 | $185 | $195 | $196 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 5% |
| Agricultural | 13% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 6% |