Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.73% | -0.17 | 1.90% |
| Return on Equity (%) | ▼ | 17.45% | -3.79 | 21.24% |
| Net Interest Margin (%) | ▼ | 4.37% | -0.01 | 4.38% |
| Efficiency Ratio (%) | ▲ | 57.32% | -2.54 | 59.86% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.24 | $1 |
| Cost of Funds (%) | ▲ | 1.48% | -0.16 | 1.65% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $255 | +15.76 | $239 |
| Gross Loans ($M) | ▲ | $151 | +7.86 | $143 |
| Loan Growth YoY (%) | ▲ | 65.12% | +0.23 | 64.89% |
| Total Deposits ($M) | ▲ | $229 | +12.29 | $217 |
| Shareholders Equity ($M) | ▲ | $25 | +3.38 | $22 |
| Tang. Book Value ($M) | ▲ | $25 | +3.44 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $29 | +3.87 | $25 |
| Loan / Deposit Ratio (%) | ▲ | 65.12% | +0.23 | 64.89% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.43% | -0.47 | 0.90% |
| Allowance / Loans (%) | — | 0.78% | -0.49% | 1.27% |
| Net Charge-Off Ratio (%) | ▲ | 0.73% | -0.78 | 1.51% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▃▆█▇▁▅ | Net Interest Margin (%) | 4.43% | 4.42% | 4.33% | 4.38% | 4.43% | 4.41% | 4.27% | 4.37% |
| ██▇▆█▅▁▃ | Return on Assets (%) | 2.05% | 2.00% | 1.94% | 1.90% | 1.99% | 1.83% | 1.58% | 1.73% |
| ▄▇▄█▂▇▇▁ | Efficiency Ratio (%) | 58.4% | 59.4% | 58.3% | 59.9% | 57.8% | 59.5% | 59.2% | 57.3% |
| █▇▇█▅▃▁▂ | Cost of Funds (%) | 1.67% | 1.61% | 1.64% | 1.65% | 1.57% | 1.51% | 1.43% | 1.48% |
| ▁▁▁███▄▄ | NPA / Assets (%) | 0.11% | 0.10% | 0.08% | 0.90% | 0.94% | 0.95% | 0.43% | 0.43% |
| ▁▁▁███▄▄ | Net Charge-Off Ratio (%) | 0.18% | 0.17% | 0.14% | 1.51% | 1.55% | 1.58% | 0.75% | 0.73% |
| ▂▁▂▁▅██▇ | Tang. Book Value ($M) | $21 | $21 | $22 | $21 | $23 | $25 | $25 | $25 |
| ▁▅▆▄▅▇██ | Gross Loans ($M) | $137 | $144 | $147 | $143 | $145 | $148 | $150 | $151 |
| ▁▃▆▄▃▄█▇ | Total Deposits ($M) | $206 | $214 | $226 | $217 | $216 | $219 | $234 | $229 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 59% |
| C&I / Commercial | 8% |
| Agricultural | 25% |
| Consumer | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 8% |