Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.71% | -0.24 | 1.95% |
| Return on Equity (%) | ▼ | 16.00% | -3.63 | 19.63% |
| Net Interest Margin (%) | ▼ | 5.92% | -0.18 | 6.10% |
| Efficiency Ratio (%) | ▼ | 71.28% | +2.63 | 68.65% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.10 | $1 |
| Cost of Funds (%) | ▲ | 0.91% | -0.34 | 1.25% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $100 | -1.65 | $102 |
| Gross Loans ($M) | ▼ | $67 | -0.95 | $68 |
| Loan Growth YoY (%) | ▲ | 73.90% | +0.94 | 72.96% |
| Total Deposits ($M) | ▼ | $89 | -2.32 | $91 |
| Shareholders Equity ($M) | ▲ | $11 | +0.69 | $10 |
| Tang. Book Value ($M) | ▲ | $11 | +0.69 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $12 | +0.66 | $11 |
| Loan / Deposit Ratio (%) | ▲ | 73.90% | +0.94 | 72.96% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.29% | +0.23 | 0.06% |
| Allowance / Loans (%) | — | 1.34% | -0.11% | 1.45% |
| Net Charge-Off Ratio (%) | ▼ | 0.43% | +0.35 | 0.09% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 16.40% | +0.37 | 16.03% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▇█▆▆▆▇▁▃ | Net Interest Margin (%) | 6.12% | 6.21% | 6.06% | 6.10% | 6.10% | 6.11% | 5.82% | 5.92% |
| ██▁▄▄▅▁▁ | Return on Assets (%) | 2.27% | 2.32% | 1.69% | 1.95% | 1.95% | 1.99% | 1.64% | 1.71% |
| ▁▁█▅▅▅█▇ | Efficiency Ratio (%) | 63.8% | 63.4% | 72.8% | 68.6% | 68.7% | 68.1% | 72.5% | 71.3% |
| ██▆▅▆▃▃▁ | Cost of Funds (%) | 1.47% | 1.44% | 1.26% | 1.25% | 1.30% | 1.11% | 1.05% | 0.91% |
| ▁▁▁▁▂▁██ | NPA / Assets (%) | 0.07% | 0.07% | 0.06% | 0.06% | 0.09% | 0.05% | 0.30% | 0.29% |
| ▁▁▁▁▂▁██ | Net Charge-Off Ratio (%) | 0.10% | 0.09% | 0.09% | 0.09% | 0.13% | 0.08% | 0.45% | 0.43% |
| ▄▄▁▃▆█▅▆ | Tang. Book Value ($M) | $10 | $10 | $10 | $10 | $11 | $11 | $10 | $11 |
| ▇▇█▂▃▆▃▁ | Gross Loans ($M) | $70 | $70 | $70 | $68 | $68 | $69 | $68 | $67 |
| ▅▁██▂▁▅▅ | Total Deposits ($M) | $89 | $86 | $91 | $91 | $87 | $87 | $89 | $89 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 62% |
| C&I / Commercial | 14% |
| Agricultural | 12% |
| Consumer | 12% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 39% |
| Interest-Bearing (core) | 56% |
| Brokered / Other | 5% |