Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.90% | -0.02 | 0.93% |
| Return on Equity (%) | ▼ | 8.50% | -0.35 | 8.85% |
| Net Interest Margin (%) | ▲ | 4.48% | +0.01 | 4.47% |
| Efficiency Ratio (%) | ▼ | 75.22% | +1.38 | 73.84% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.23 | $1 |
| Cost of Funds (%) | ▲ | 1.71% | -0.05 | 1.75% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $437 | -3.27 | $440 |
| Gross Loans ($M) | ▲ | $347 | +3.01 | $344 |
| Loan Growth YoY (%) | ▲ | 104.16% | +1.50 | 102.65% |
| Total Deposits ($M) | ▼ | $329 | -2.03 | $331 |
| Shareholders Equity ($M) | ▲ | $48 | +1.74 | $46 |
| Tang. Book Value ($M) | ▲ | $46 | +1.74 | $44 |
| TBV excl. AOCI ($M)** | ▲ | $47 | +2.71 | $44 |
| Loan / Deposit Ratio (%) | ▲ | 104.16% | +1.50 | 102.65% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.83% | +0.32 | 0.51% |
| Allowance / Loans (%) | — | 1.17% | 0.03% | 1.13% |
| Net Charge-Off Ratio (%) | ▼ | 0.39% | +0.32 | 0.07% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▄▁▅██▄▆ | Net Interest Margin (%) | 4.41% | 4.44% | 4.39% | 4.47% | 4.50% | 4.51% | 4.45% | 4.48% |
| █▆▁██▆▂▆ | Return on Assets (%) | 0.94% | 0.91% | 0.84% | 0.93% | 0.94% | 0.90% | 0.86% | 0.90% |
| ▁▄█▃▂▂▅▇ | Efficiency Ratio (%) | 73.1% | 74.1% | 75.6% | 73.8% | 73.6% | 73.7% | 74.5% | 75.2% |
| █▅▄▂▂▂▃▁ | Cost of Funds (%) | 1.99% | 1.85% | 1.82% | 1.75% | 1.75% | 1.75% | 1.81% | 1.71% |
| ▁▁▅▅█▆██ | NPA / Assets (%) | 0.06% | 0.11% | 0.54% | 0.51% | 0.82% | 0.59% | 0.84% | 0.83% |
| ▁▁█▁▆▆▅▅ | Net Charge-Off Ratio (%) | 0.07% | 0.13% | 0.68% | 0.07% | 0.46% | 0.52% | 0.40% | 0.39% |
| ▁▃▅▄▆█▆█ | Tang. Book Value ($M) | $43 | $44 | $44 | $44 | $45 | $46 | $45 | $46 |
| ▇█▅▄▃▁▃▆ | Gross Loans ($M) | $348 | $351 | $346 | $344 | $343 | $340 | $343 | $347 |
| ▃▄▁▄▄█▆▃ | Total Deposits ($M) | $328 | $334 | $322 | $331 | $332 | $346 | $338 | $329 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 88% |
| C&I / Commercial | 9% |
| Agricultural | 2% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 37% |
| Interest-Bearing (core) | 48% |
| Brokered / Other | 15% |