Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.39% | +0.13 | 1.27% |
| Return on Equity (%) | ▼ | 14.17% | -0.19 | 14.36% |
| Net Interest Margin (%) | ▲ | 3.58% | +0.29 | 3.29% |
| Efficiency Ratio (%) | ▲ | 57.22% | -2.22 | 59.44% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.31 | $1 |
| Cost of Funds (%) | ▲ | 1.59% | -0.19 | 1.77% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $343 | +20.63 | $323 |
| Gross Loans ($M) | ▲ | $223 | +7.54 | $215 |
| Loan Growth YoY (%) | ▼ | 73.91% | -1.35 | 75.26% |
| Total Deposits ($M) | ▲ | $299 | +15.20 | $283 |
| Shareholders Equity ($M) | ▲ | $33 | +4.39 | $29 |
| Tang. Book Value ($M) | ▲ | $30 | +4.39 | $26 |
| TBV excl. AOCI ($M)** | ▲ | $34 | +4.13 | $30 |
| Loan / Deposit Ratio (%) | ▼ | 73.91% | -1.35 | 75.26% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.09% | +0.04 | 0.05% |
| Allowance / Loans (%) | — | 0.86% | 0.03% | 0.83% |
| Net Charge-Off Ratio (%) | ▼ | 0.13% | +0.06 | 0.07% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.45% | +0.06 | 12.38% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▅▅▆██ | Net Interest Margin (%) | 2.97% | 3.01% | 3.28% | 3.29% | 3.34% | 3.38% | 3.53% | 3.58% |
| ▂▁█▇▅▃██ | Return on Assets (%) | 0.96% | 0.85% | 1.33% | 1.27% | 1.14% | 1.05% | 1.36% | 1.39% |
| ▇█▁▂▂▅▂▁ | Efficiency Ratio (%) | 67.3% | 69.9% | 58.4% | 59.4% | 60.0% | 63.6% | 58.9% | 57.2% |
| ██▄▄▄▄▂▁ | Cost of Funds (%) | 2.02% | 2.03% | 1.81% | 1.77% | 1.80% | 1.78% | 1.65% | 1.59% |
| ▃▆▅▁▃██▅ | NPA / Assets (%) | 0.07% | 0.09% | 0.08% | 0.05% | 0.07% | 0.11% | 0.11% | 0.09% |
| ▄▅▄▁▃██▆ | Net Charge-Off Ratio (%) | 0.11% | 0.12% | 0.11% | 0.07% | 0.10% | 0.16% | 0.16% | 0.13% |
| ▃▁▃▃▇▇██ | Tang. Book Value ($M) | $26 | $24 | $25 | $26 | $29 | $29 | $30 | $30 |
| ▁▁▃▅▅▆██ | Gross Loans ($M) | $205 | $207 | $210 | $215 | $216 | $218 | $224 | $223 |
| ▄▁▁▃▁▂▅█ | Total Deposits ($M) | $287 | $277 | $278 | $283 | $278 | $282 | $289 | $299 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 54% |
| C&I / Commercial | 19% |
| Agricultural | 24% |
| Consumer | 1% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 7% |
| Interest-Bearing (core) | 82% |
| Brokered / Other | 11% |