Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.05% | +0.22 | 1.83% |
| Return on Equity (%) | ▲ | 14.99% | +1.81 | 13.18% |
| Net Interest Margin (%) | ▼ | 4.67% | -0.23 | 4.89% |
| Efficiency Ratio (%) | ▲ | 57.52% | -6.52 | 64.03% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.37 | $2 |
| Cost of Funds (%) | ▲ | 1.03% | -0.18 | 1.21% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $391 | +27.01 | $364 |
| Gross Loans ($M) | ▲ | $231 | +18.74 | $212 |
| Loan Growth YoY (%) | ▲ | 67.99% | +0.19 | 67.80% |
| Total Deposits ($M) | ▲ | $335 | +26.41 | $309 |
| Shareholders Equity ($M) | ▲ | $54 | +1.55 | $52 |
| Tang. Book Value ($M) | ▲ | $54 | +1.55 | $52 |
| TBV excl. AOCI ($M)** | ▲ | $58 | +1.57 | $57 |
| Loan / Deposit Ratio (%) | ▲ | 67.99% | +0.19 | 67.80% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.59% | -0.08 | 0.67% |
| Allowance / Loans (%) | — | 1.42% | -0.04% | 1.46% |
| Net Charge-Off Ratio (%) | ▼ | 0.59% | +0.08 | 0.51% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 20.19% | -2.90 | 23.09% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▇█▄▆▇▆▁▁ | Net Interest Margin (%) | 4.93% | 4.99% | 4.81% | 4.89% | 4.91% | 4.89% | 4.67% | 4.67% |
| ▁▂▂▁▂▂█▆ | Return on Assets (%) | 1.80% | 1.88% | 1.88% | 1.83% | 1.85% | 1.88% | 2.17% | 2.05% |
| ▅▄▇██▇▁▂ | Efficiency Ratio (%) | 60.4% | 59.3% | 62.7% | 64.0% | 63.8% | 62.9% | 56.3% | 57.5% |
| ▃▄▆█▇▁▁▁ | Cost of Funds (%) | 1.07% | 1.11% | 1.16% | 1.21% | 1.18% | 1.03% | 1.02% | 1.03% |
| █▂▅▃▁▃▁▁ | NPA / Assets (%) | 0.98% | 0.65% | 0.80% | 0.67% | 0.56% | 0.68% | 0.55% | 0.59% |
| █▂▄▂▁▃▂▃ | Net Charge-Off Ratio (%) | 1.32% | 0.46% | 0.75% | 0.51% | 0.32% | 0.68% | 0.49% | 0.59% |
| ▅▁▃▆████ | Tang. Book Value ($M) | $51 | $49 | $51 | $52 | $54 | $54 | $54 | $54 |
| ▂▃▁▁▃██▆ | Gross Loans ($M) | $216 | $222 | $209 | $212 | $220 | $243 | $239 | $231 |
| ▁▃▃▂▃█▆▆ | Total Deposits ($M) | $297 | $313 | $315 | $309 | $312 | $348 | $333 | $335 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 58% |
| C&I / Commercial | 33% |
| Agricultural | 6% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 40% |
| Interest-Bearing (core) | 48% |
| Brokered / Other | 12% |