Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.09% | +0.27 | 0.81% |
| Return on Equity (%) | ▲ | 14.36% | +2.47 | 11.89% |
| Net Interest Margin (%) | ▲ | 3.65% | +0.31 | 3.34% |
| Efficiency Ratio (%) | ▲ | 67.91% | -7.27 | 75.18% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.25 | $1 |
| Cost of Funds (%) | ▲ | 1.50% | -0.09 | 1.59% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $257 | +21.41 | $236 |
| Gross Loans ($M) | ▲ | $149 | +14.79 | $134 |
| Loan Growth YoY (%) | ▲ | 64.42% | +4.42 | 60.00% |
| Total Deposits ($M) | ▲ | $227 | +7.73 | $219 |
| Shareholders Equity ($M) | ▲ | $19 | +2.70 | $16 |
| Tang. Book Value ($M) | ▲ | $19 | +2.86 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +3.21 | $21 |
| Loan / Deposit Ratio (%) | ▲ | 64.42% | +4.42 | 60.00% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.59% | -0.12 | 0.71% |
| Allowance / Loans (%) | — | 1.67% | -0.08% | 1.75% |
| Net Charge-Off Ratio (%) | ▲ | 0.88% | -0.38 | 1.25% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▅██ | Net Interest Margin (%) | 2.96% | 3.00% | 3.29% | 3.34% | 3.36% | 3.39% | 3.60% | 3.65% |
| █▄▁▂▃▃▇▆ | Return on Assets (%) | 1.21% | 0.96% | 0.75% | 0.81% | 0.88% | 0.89% | 1.13% | 1.09% |
| ▁▄█▇▅▅▃▂ | Efficiency Ratio (%) | 65.1% | 69.9% | 77.7% | 75.2% | 72.8% | 72.6% | 69.1% | 67.9% |
| █▇▄▄▆▃▁▂ | Cost of Funds (%) | 1.94% | 1.81% | 1.61% | 1.59% | 1.74% | 1.52% | 1.38% | 1.50% |
| ▂▄█▇▃▁▁▂ | NPA / Assets (%) | 0.58% | 0.63% | 0.75% | 0.71% | 0.61% | 0.57% | 0.55% | 0.59% |
| ▄▅█▇▄▃▁▁ | Net Charge-Off Ratio (%) | 1.03% | 1.15% | 1.36% | 1.25% | 1.08% | 1.02% | 0.82% | 0.88% |
| ▁▁▃▃▇███ | Tang. Book Value ($M) | $15 | $14 | $16 | $16 | $18 | $19 | $19 | $19 |
| ▁▁▁▄▄▆▇█ | Gross Loans ($M) | $126 | $125 | $124 | $134 | $136 | $140 | $144 | $149 |
| ▁▃▁▄▅██▇ | Total Deposits ($M) | $209 | $214 | $207 | $219 | $222 | $231 | $232 | $227 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 64% |
| C&I / Commercial | 10% |
| Agricultural | 15% |
| Consumer | 8% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 20% |