Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.42% | +0.38 | 1.04% |
| Return on Equity (%) | ▲ | 20.00% | +1.83 | 18.17% |
| Net Interest Margin (%) | ▲ | 3.88% | +0.47 | 3.42% |
| Efficiency Ratio (%) | ▲ | 59.33% | -8.12 | 67.45% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.23 | $1 |
| Cost of Funds (%) | ▲ | 1.49% | -0.41 | 1.90% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $180 | +20.94 | $160 |
| Gross Loans ($M) | ▲ | $94 | +6.46 | $88 |
| Loan Growth YoY (%) | ▼ | 58.99% | -1.26 | 60.25% |
| Total Deposits ($M) | ▲ | $158 | +13.83 | $144 |
| Shareholders Equity ($M) | ▲ | $13 | +3.05 | $9 |
| Tang. Book Value ($M) | ▲ | $13 | +3.05 | $9 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +3.70 | $12 |
| Loan / Deposit Ratio (%) | ▼ | 58.99% | -1.26 | 60.25% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.03 | 0.03% |
| Allowance / Loans (%) | — | 1.09% | 0.06% | 1.02% |
| Net Charge-Off Ratio (%) | ▲ | 0.01% | -0.06 | 0.06% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▄▅██ | Net Interest Margin (%) | 3.10% | 3.07% | 3.35% | 3.42% | 3.47% | 3.51% | 3.86% | 3.88% |
| ▁▁▂▃▃▄▇█ | Return on Assets (%) | 0.92% | 0.85% | 0.94% | 1.04% | 1.06% | 1.07% | 1.32% | 1.42% |
| ███▆▅▅▁▁ | Efficiency Ratio (%) | 69.6% | 71.0% | 69.7% | 67.5% | 66.4% | 66.0% | 59.6% | 59.3% |
| ▇█▅▅▄▃▁▁ | Cost of Funds (%) | 2.07% | 2.16% | 1.83% | 1.90% | 1.75% | 1.66% | 1.52% | 1.49% |
| ▆█▅▂▂▁▂▁ | NPA / Assets (%) | 0.11% | 0.15% | 0.09% | 0.03% | 0.02% | 0.00% | 0.02% | 0.00% |
| ▆█▅▂▁▁▂▁ | Net Charge-Off Ratio (%) | 0.21% | 0.28% | 0.17% | 0.06% | 0.01% | 0.01% | 0.04% | 0.01% |
| ▄▁▂▂▆███ | Tang. Book Value ($M) | $10 | $9 | $9 | $9 | $12 | $12 | $13 | $13 |
| ▁▂▂▄▂▃▆█ | Gross Loans ($M) | $83 | $84 | $85 | $88 | $85 | $87 | $90 | $94 |
| ▁▁▃▁▃▅██ | Total Deposits ($M) | $143 | $143 | $149 | $144 | $147 | $152 | $156 | $158 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 69% |
| C&I / Commercial | 14% |
| Agricultural | 9% |
| Consumer | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 53% |
| Brokered / Other | 23% |