Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.13% | +0.09 | 1.04% |
| Return on Equity (%) | ▼ | 14.94% | -2.16 | 17.10% |
| Net Interest Margin (%) | ▲ | 4.34% | +0.16 | 4.18% |
| Efficiency Ratio (%) | ▼ | 63.59% | +0.92 | 62.67% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.02 | $1 |
| Cost of Funds (%) | ▲ | 1.22% | -0.23 | 1.45% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $147 | -2.42 | $149 |
| Gross Loans ($M) | ▲ | $88 | +2.49 | $86 |
| Loan Growth YoY (%) | ▲ | 66.15% | +3.39 | 62.77% |
| Total Deposits ($M) | ▼ | $132 | -3.30 | $135 |
| Shareholders Equity ($M) | ▲ | $12 | +1.95 | $10 |
| Tang. Book Value ($M) | ▲ | $12 | +1.95 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +1.82 | $13 |
| Loan / Deposit Ratio (%) | ▲ | 66.15% | +3.39 | 62.77% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.40% | +0.26 | 0.13% |
| Allowance / Loans (%) | — | 1.21% | 0.07% | 1.14% |
| Net Charge-Off Ratio (%) | ▼ | 0.66% | +0.43 | 0.23% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 16.65% | +0.46 | 16.19% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▆▆▆▇█ | Net Interest Margin (%) | 3.84% | 3.87% | 4.10% | 4.18% | 4.18% | 4.15% | 4.25% | 4.34% |
| ▅▆▁▆██▆█ | Return on Assets (%) | 0.98% | 1.02% | 0.81% | 1.04% | 1.11% | 1.10% | 1.03% | 1.13% |
| ▇▇▁▃▆█▄▄ | Efficiency Ratio (%) | 64.8% | 64.8% | 61.7% | 62.7% | 64.3% | 65.6% | 63.6% | 63.6% |
| █▆▄▄▃▁▁▁ | Cost of Funds (%) | 1.82% | 1.64% | 1.46% | 1.45% | 1.43% | 1.29% | 1.26% | 1.22% |
| ▃▃▁▁▁▂▆█ | NPA / Assets (%) | 0.19% | 0.20% | 0.12% | 0.13% | 0.13% | 0.17% | 0.30% | 0.40% |
| ▃▃▁▁▁▃▆█ | Net Charge-Off Ratio (%) | 0.34% | 0.36% | 0.20% | 0.23% | 0.23% | 0.32% | 0.54% | 0.66% |
| ▅▁▃▄█▇▇█ | Tang. Book Value ($M) | $10 | $8 | $9 | $10 | $12 | $11 | $11 | $12 |
| ▇█▇▆▄▁▇█ | Gross Loans ($M) | $87 | $88 | $87 | $86 | $83 | $80 | $86 | $88 |
| ▁▇▆▄▁▆█▂ | Total Deposits ($M) | $129 | $139 | $138 | $135 | $130 | $138 | $142 | $132 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 55% |
| C&I / Commercial | 17% |
| Agricultural | 23% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 11% |