Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.66% | +0.03 | 1.64% |
| Return on Equity (%) | ▼ | 17.25% | -4.19 | 21.44% |
| Net Interest Margin (%) | ▲ | 3.27% | +0.17 | 3.10% |
| Efficiency Ratio (%) | ▲ | 38.43% | -1.56 | 39.99% |
| Pre-Provision Profit ($M) | ▲ | $5 | +0.58 | $4 |
| Cost of Funds (%) | ▼ | 1.38% | +0.02 | 1.37% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $859 | +19.49 | $840 |
| Gross Loans ($M) | ▲ | $460 | +28.53 | $432 |
| Loan Growth YoY (%) | ▲ | 61.49% | +4.47 | 57.02% |
| Total Deposits ($M) | ▼ | $739 | -10.21 | $749 |
| Shareholders Equity ($M) | ▲ | $83 | +14.83 | $68 |
| Tang. Book Value ($M) | ▲ | $82 | +14.75 | $68 |
| TBV excl. AOCI ($M)** | ▲ | $100 | +16.34 | $83 |
| Loan / Deposit Ratio (%) | ▲ | 61.49% | +4.47 | 57.02% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.07% | +0.06 | 0.02% |
| Allowance / Loans (%) | — | 1.31% | 0.21% | 1.10% |
| Net Charge-Off Ratio (%) | ▼ | 0.13% | +0.10 | 0.03% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 20.52% | +0.66 | 19.86% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▆▆▇██ | Net Interest Margin (%) | 2.70% | 2.80% | 3.06% | 3.10% | 3.12% | 3.17% | 3.25% | 3.27% |
| ▁▂██▆▇██ | Return on Assets (%) | 1.15% | 1.23% | 1.69% | 1.64% | 1.53% | 1.61% | 1.68% | 1.66% |
| ██▂▃▂▂▂▁ | Efficiency Ratio (%) | 44.4% | 44.0% | 39.5% | 40.0% | 39.3% | 39.5% | 39.4% | 38.4% |
| █▇▂▂▄▅▁▂ | Cost of Funds (%) | 1.58% | 1.52% | 1.38% | 1.37% | 1.45% | 1.46% | 1.33% | 1.38% |
| ▁▁▇▂▃▄█▇ | NPA / Assets (%) | 0.00% | 0.00% | 0.08% | 0.02% | 0.03% | 0.04% | 0.09% | 0.07% |
| ▁▁▇▂▃▄█▇ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.15% | 0.03% | 0.05% | 0.08% | 0.17% | 0.13% |
| ▂▁▃▄▆▇██ | Tang. Book Value ($M) | $61 | $56 | $63 | $68 | $74 | $79 | $80 | $82 |
| ▁▂▃▄▅▅▅█ | Gross Loans ($M) | $404 | $415 | $423 | $432 | $438 | $439 | $438 | $460 |
| █▁██▆▁▄▅ | Total Deposits ($M) | $750 | $727 | $748 | $749 | $744 | $729 | $738 | $739 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 9% |
| Agricultural | 3% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 10% |