Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.77% | -0.01 | 1.78% |
| Return on Equity (%) | ▼ | 17.43% | -1.91 | 19.34% |
| Net Interest Margin (%) | ▲ | 4.60% | +0.24 | 4.36% |
| Efficiency Ratio (%) | ▼ | 57.66% | +3.68 | 53.98% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.18 | $1 |
| Cost of Funds (%) | ▲ | 1.87% | -0.29 | 2.16% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $290 | +10.22 | $280 |
| Gross Loans ($M) | ▲ | $225 | +14.51 | $211 |
| Loan Growth YoY (%) | ▲ | 85.99% | +3.61 | 82.39% |
| Total Deposits ($M) | ▲ | $258 | +6.27 | $252 |
| Shareholders Equity ($M) | ▲ | $30 | +3.52 | $27 |
| Tang. Book Value ($M) | ▲ | $30 | +3.68 | $26 |
| Loan / Deposit Ratio (%) | ▲ | 85.99% | +3.61 | 82.39% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.05% | -0.00 | 0.05% |
| Allowance / Loans (%) | — | 1.39% | -0.08% | 1.48% |
| Net Charge-Off Ratio (%) | ▲ | 0.07% | -0.01 | 0.07% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.85% | +0.58 | 13.27% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▆▆▇██ | Net Interest Margin (%) | 3.88% | 3.95% | 4.23% | 4.36% | 4.42% | 4.50% | 4.62% | 4.60% |
| ▂▁▄▅▇██▅ | Return on Assets (%) | 1.64% | 1.54% | 1.72% | 1.78% | 1.91% | 1.97% | 1.94% | 1.77% |
| ▅▇▃▃▁▁▃█ | Efficiency Ratio (%) | 55.4% | 56.9% | 53.7% | 54.0% | 52.1% | 52.1% | 53.6% | 57.7% |
| █▆▄▄▄▃▁▁ | Cost of Funds (%) | 2.51% | 2.33% | 2.10% | 2.16% | 2.15% | 2.02% | 1.81% | 1.87% |
| ▃▁█▁▁▁▁▁ | NPA / Assets (%) | 0.10% | 0.07% | 0.20% | 0.05% | 0.05% | 0.06% | 0.06% | 0.05% |
| ▃▁█▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.12% | 0.09% | 0.26% | 0.07% | 0.07% | 0.07% | 0.08% | 0.07% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $24 | $24 | $25 | $26 | $27 | $28 | $29 | $30 |
| ▁▂▁▂▄▇▅█ | Gross Loans ($M) | $209 | $211 | $209 | $211 | $215 | $222 | $219 | $225 |
| ▁▃▆▅█▆██ | Total Deposits ($M) | $242 | $248 | $253 | $252 | $259 | $254 | $258 | $258 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 79% |
| C&I / Commercial | 10% |
| Agricultural | 9% |
| Consumer | 1% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 13% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 10% |