Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.78% | -0.19 | 0.97% |
| Return on Equity (%) | ▼ | 7.75% | -2.25 | 10.00% |
| Net Interest Margin (%) | ▲ | 4.44% | +0.18 | 4.26% |
| Efficiency Ratio (%) | ▼ | 82.18% | +3.95 | 78.23% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.07 | $0 |
| Cost of Funds (%) | ▲ | 1.71% | -0.24 | 1.95% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $125 | +1.40 | $124 |
| Gross Loans ($M) | ▼ | $95 | -3.14 | $98 |
| Loan Growth YoY (%) | ▼ | 83.72% | -5.88 | 89.60% |
| Total Deposits ($M) | ▲ | $112 | +3.86 | $108 |
| Shareholders Equity ($M) | ▲ | $13 | +0.57 | $12 |
| Tang. Book Value ($M) | ▲ | $13 | +0.57 | $12 |
| Loan / Deposit Ratio (%) | ▼ | 83.72% | -5.88 | 89.60% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.38% | +0.11 | 0.27% |
| Allowance / Loans (%) | — | 1.27% | 0.03% | 1.24% |
| Net Charge-Off Ratio (%) | ▼ | 0.50% | +0.16 | 0.34% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▅▆▇▆█ | Net Interest Margin (%) | 3.96% | 4.02% | 4.05% | 4.26% | 4.29% | 4.33% | 4.29% | 4.44% |
| ▄▃▄█▅▆▁▄ | Return on Assets (%) | 0.76% | 0.73% | 0.78% | 0.97% | 0.83% | 0.87% | 0.63% | 0.78% |
| ▂▄▅▁▃▃█▆ | Efficiency Ratio (%) | 79.4% | 81.1% | 81.3% | 78.2% | 80.0% | 79.9% | 84.0% | 82.2% |
| ██▅▅▆▄▂▁ | Cost of Funds (%) | 2.11% | 2.07% | 1.95% | 1.95% | 1.99% | 1.90% | 1.80% | 1.71% |
| █▅▁▁▁▁▁▂ | NPA / Assets (%) | 0.73% | 0.51% | 0.26% | 0.27% | 0.27% | 0.31% | 0.29% | 0.38% |
| █▄▁▁▁▁▁▃ | Net Charge-Off Ratio (%) | 0.90% | 0.61% | 0.34% | 0.34% | 0.34% | 0.40% | 0.38% | 0.50% |
| ▁▁▂▄▅▇▇█ | Tang. Book Value ($M) | $12 | $12 | $12 | $12 | $12 | $12 | $13 | $13 |
| ▄█▇█▄▂▂▁ | Gross Loans ($M) | $97 | $98 | $98 | $98 | $96 | $96 | $95 | $95 |
| ▁▁▆▅▅▇██ | Total Deposits ($M) | $102 | $101 | $109 | $108 | $107 | $110 | $112 | $112 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 89% |
| C&I / Commercial | 6% |
| Agricultural | 2% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 10% |