Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.90% | +0.02 | 1.88% |
| Return on Equity (%) | ▼ | 12.28% | -1.43 | 13.71% |
| Net Interest Margin (%) | ▲ | 4.43% | +0.16 | 4.27% |
| Efficiency Ratio (%) | ▲ | 48.57% | -2.87 | 51.44% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.13 | $1 |
| Cost of Funds (%) | ▲ | 1.45% | -0.21 | 1.65% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $220 | +4.86 | $215 |
| Gross Loans ($M) | ▲ | $148 | +6.65 | $141 |
| Loan Growth YoY (%) | ▲ | 81.12% | +0.60 | 80.52% |
| Total Deposits ($M) | ▲ | $181 | +6.99 | $174 |
| Shareholders Equity ($M) | ▲ | $35 | +4.88 | $30 |
| Tang. Book Value ($M) | ▲ | $35 | +4.88 | $30 |
| TBV excl. AOCI ($M)** | ▲ | $38 | +5.07 | $33 |
| Loan / Deposit Ratio (%) | ▲ | 81.12% | +0.60 | 80.52% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.21% | +0.08 | 0.14% |
| Allowance / Loans (%) | — | 0.64% | -0.08% | 0.72% |
| Net Charge-Off Ratio (%) | ▼ | 0.32% | +0.11 | 0.21% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▆▆▆▇█ | Net Interest Margin (%) | 3.98% | 4.00% | 4.24% | 4.27% | 4.31% | 4.31% | 4.35% | 4.43% |
| ▄▁▇██▅▂█ | Return on Assets (%) | 1.70% | 1.55% | 1.83% | 1.88% | 1.91% | 1.74% | 1.63% | 1.90% |
| ▅█▄▃▃▇▁▁ | Efficiency Ratio (%) | 53.4% | 57.7% | 53.0% | 51.4% | 51.5% | 55.9% | 49.1% | 48.6% |
| ██▄▅▅▃▁▁ | Cost of Funds (%) | 1.83% | 1.84% | 1.61% | 1.65% | 1.64% | 1.56% | 1.42% | 1.45% |
| ▁▁█▁▅▄▄▄ | NPA / Assets (%) | 0.14% | 0.14% | 0.31% | 0.14% | 0.23% | 0.22% | 0.22% | 0.21% |
| ▁▁█▁▅▄▄▄ | Net Charge-Off Ratio (%) | 0.22% | 0.20% | 0.48% | 0.21% | 0.35% | 0.33% | 0.33% | 0.32% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $29 | $28 | $29 | $30 | $32 | $33 | $34 | $35 |
| ▁▃▁▂▁█▇▇ | Gross Loans ($M) | $140 | $143 | $139 | $141 | $140 | $149 | $148 | $148 |
| ▃▂▃▃▁█▅█ | Total Deposits ($M) | $173 | $172 | $173 | $174 | $170 | $181 | $176 | $181 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 67% |
| C&I / Commercial | 10% |
| Agricultural | 19% |
| Consumer | 2% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 8% |