Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.44% | +0.20 | 1.24% |
| Return on Equity (%) | ▼ | 16.34% | -0.53 | 16.87% |
| Net Interest Margin (%) | ▲ | 3.77% | +0.29 | 3.48% |
| Efficiency Ratio (%) | ▲ | 61.21% | -3.80 | 65.01% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.09 | $0 |
| Cost of Funds (%) | ▲ | 1.39% | -0.15 | 1.54% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $141 | -4.31 | $145 |
| Gross Loans ($M) | ▲ | $90 | +4.98 | $85 |
| Loan Growth YoY (%) | ▲ | 70.07% | +6.96 | 63.11% |
| Total Deposits ($M) | ▼ | $128 | -6.25 | $134 |
| Shareholders Equity ($M) | ▲ | $13 | +2.05 | $11 |
| Tang. Book Value ($M) | ▲ | $13 | +2.05 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +2.07 | $13 |
| Loan / Deposit Ratio (%) | ▲ | 70.07% | +6.96 | 63.11% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.89% | -0.01% | 0.90% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▃▃██ | Net Interest Margin (%) | 3.35% | 3.39% | 3.43% | 3.48% | 3.46% | 3.49% | 3.73% | 3.77% |
| ▁▁▆▅▆▅██ | Return on Assets (%) | 0.94% | 0.90% | 1.30% | 1.24% | 1.30% | 1.27% | 1.49% | 1.44% |
| ██▃▄▃▃▁▂ | Efficiency Ratio (%) | 71.0% | 71.2% | 63.1% | 65.0% | 62.8% | 63.6% | 59.3% | 61.2% |
| ▅▅▂▅██▁▁ | Cost of Funds (%) | 1.51% | 1.51% | 1.40% | 1.54% | 1.62% | 1.64% | 1.36% | 1.39% |
| ▁▁▁▁█▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.07% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▁█▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.13% | 0.00% | 0.00% | 0.00% |
| ▃▁▃▄▇███ | Tang. Book Value ($M) | $10 | $9 | $10 | $11 | $12 | $13 | $13 | $13 |
| ▁▄▃▄▄▆▅█ | Gross Loans ($M) | $82 | $86 | $85 | $85 | $86 | $88 | $86 | $90 |
| ▁▁▄▇█▇▆▄ | Total Deposits ($M) | $120 | $119 | $127 | $134 | $138 | $134 | $133 | $128 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 67% |
| C&I / Commercial | 18% |
| Agricultural | 10% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 11% |