Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.28% | +0.32 | 0.96% |
| Return on Equity (%) | ▲ | 16.66% | +2.56 | 14.10% |
| Net Interest Margin (%) | ▲ | 3.81% | +0.19 | 3.62% |
| Efficiency Ratio (%) | ▲ | 64.18% | -8.66 | 72.84% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.85 | $2 |
| Cost of Funds (%) | ▲ | 1.59% | -0.26 | 1.85% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $660 | +61.35 | $598 |
| Gross Loans ($M) | ▼ | $344 | -6.51 | $350 |
| Loan Growth YoY (%) | ▼ | 56.48% | -6.76 | 63.24% |
| Total Deposits ($M) | ▲ | $599 | +53.09 | $546 |
| Shareholders Equity ($M) | ▲ | $50 | +8.20 | $42 |
| Tang. Book Value ($M) | ▲ | $48 | +8.22 | $40 |
| TBV excl. AOCI ($M)** | ▲ | $58 | +9.95 | $48 |
| Loan / Deposit Ratio (%) | ▼ | 56.48% | -6.76 | 63.24% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 2.84% | -0.07 | 2.91% |
| Allowance / Loans (%) | — | 1.46% | 0.15% | 1.30% |
| Net Charge-Off Ratio (%) | ▼ | 5.27% | +0.30 | 4.97% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 16.54% | +1.56 | 14.98% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▃▂▅▃▃▅█ | Net Interest Margin (%) | 3.38% | 3.54% | 3.47% | 3.62% | 3.52% | 3.51% | 3.64% | 3.81% |
| ▁▂▅▅▄▄██ | Return on Assets (%) | 0.55% | 0.73% | 0.93% | 0.96% | 0.85% | 0.87% | 1.21% | 1.28% |
| █▇▄▄▅▅▁▁ | Efficiency Ratio (%) | 82.4% | 78.2% | 73.1% | 72.8% | 74.4% | 73.6% | 64.3% | 64.2% |
| █▇▄▄▃▃▁▁ | Cost of Funds (%) | 2.26% | 2.11% | 1.90% | 1.85% | 1.77% | 1.80% | 1.65% | 1.59% |
| ▃▁▆▆▇██▆ | NPA / Assets (%) | 1.22% | 0.28% | 2.74% | 2.91% | 3.26% | 3.82% | 3.45% | 2.84% |
| ▂▁▆▆▇██▆ | Net Charge-Off Ratio (%) | 2.05% | 0.46% | 4.73% | 4.97% | 6.07% | 7.17% | 6.57% | 5.27% |
| ▄▁▃▃▇███ | Tang. Book Value ($M) | $40 | $35 | $39 | $40 | $46 | $48 | $48 | $48 |
| ▅█▂▅▁▄▁▂ | Gross Loans ($M) | $351 | $357 | $344 | $350 | $341 | $348 | $342 | $344 |
| ▁▂▂▂▆█▇█ | Total Deposits ($M) | $531 | $545 | $544 | $546 | $575 | $593 | $590 | $599 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 75% |
| C&I / Commercial | 7% |
| Agricultural | 16% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 13% |