Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.79% | +0.30 | 1.49% |
| Return on Equity (%) | ▲ | 12.93% | +1.60 | 11.33% |
| Net Interest Margin (%) | ▲ | 4.44% | +0.27 | 4.17% |
| Efficiency Ratio (%) | ▲ | 51.94% | -1.20 | 53.14% |
| Pre-Provision Profit ($M) | ▼ | $6 | -0.58 | $6 |
| Cost of Funds (%) | ▲ | 1.99% | -0.20 | 2.19% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $1,114 | +14.87 | $1,099 |
| Gross Loans ($M) | ▲ | $930 | +16.34 | $914 |
| Loan Growth YoY (%) | ▲ | 102.96% | +0.46 | 102.50% |
| Total Deposits ($M) | ▲ | $891 | +12.12 | $878 |
| Shareholders Equity ($M) | ▲ | $160 | +13.02 | $147 |
| Tang. Book Value ($M) | ▲ | $160 | +13.02 | $147 |
| TBV excl. AOCI ($M)** | ▲ | $165 | +13.47 | $152 |
| Loan / Deposit Ratio (%) | ▲ | 102.96% | +0.46 | 102.50% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.07% | -0.21 | 1.28% |
| Allowance / Loans (%) | — | 1.39% | -0.05% | 1.44% |
| Net Charge-Off Ratio (%) | ▲ | 1.24% | -0.19 | 1.44% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▂▁▂▄▅▆█ | Net Interest Margin (%) | 4.19% | 4.17% | 4.10% | 4.17% | 4.25% | 4.28% | 4.33% | 4.44% |
| ▁▁▂▂▂▃█▆ | Return on Assets (%) | 1.38% | 1.32% | 1.42% | 1.49% | 1.49% | 1.55% | 2.06% | 1.79% |
| ██▇▅▄▅▁▄ | Efficiency Ratio (%) | 55.7% | 56.6% | 54.8% | 53.1% | 51.9% | 53.1% | 47.9% | 51.9% |
| ███▆▆▅▁▁ | Cost of Funds (%) | 2.26% | 2.24% | 2.24% | 2.19% | 2.18% | 2.16% | 2.02% | 1.99% |
| ▃▃▄▃█▁▁▁ | NPA / Assets (%) | 1.31% | 1.34% | 1.43% | 1.28% | 1.88% | 1.05% | 1.11% | 1.07% |
| ▃▃▄▂█▁▁▁ | Net Charge-Off Ratio (%) | 1.47% | 1.57% | 1.66% | 1.44% | 2.19% | 1.23% | 1.31% | 1.24% |
| ▁▁▂▄▅▅▇█ | Tang. Book Value ($M) | $140 | $138 | $142 | $147 | $151 | $150 | $155 | $160 |
| ▂▁▄▆▇▅▅█ | Gross Loans ($M) | $887 | $879 | $899 | $914 | $921 | $907 | $910 | $930 |
| ▁▅▅▇▇███ | Total Deposits ($M) | $811 | $857 | $863 | $878 | $888 | $900 | $898 | $891 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 10% |
| Agricultural | 5% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 51% |
| Brokered / Other | 24% |