Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.88% | +0.66 | 1.22% |
| Return on Equity (%) | ▲ | 22.96% | +7.01 | 15.95% |
| Net Interest Margin (%) | ▲ | 4.73% | +0.49 | 4.24% |
| Efficiency Ratio (%) | ▲ | 51.65% | -7.75 | 59.40% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.34 | $1 |
| Cost of Funds (%) | ▲ | 1.37% | -0.25 | 1.62% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $246 | +23.45 | $223 |
| Gross Loans ($M) | ▲ | $181 | +10.21 | $171 |
| Loan Growth YoY (%) | ▼ | 79.44% | -3.10 | 82.54% |
| Total Deposits ($M) | ▲ | $225 | +20.65 | $205 |
| Shareholders Equity ($M) | ▲ | $20 | +2.78 | $18 |
| Tang. Book Value ($M) | ▲ | $20 | +2.78 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $23 | +2.92 | $20 |
| Loan / Deposit Ratio (%) | ▼ | 79.44% | -3.10 | 82.54% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.68% | +0.02 | 0.66% |
| Allowance / Loans (%) | — | 1.29% | 0.01% | 1.27% |
| Net Charge-Off Ratio (%) | ▼ | 0.90% | +0.04 | 0.86% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.53% | +1.05 | 11.47% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆██ | Net Interest Margin (%) | 3.80% | 3.84% | 4.08% | 4.24% | 4.35% | 4.44% | 4.69% | 4.73% |
| ▁▁▁▃▃▂██ | Return on Assets (%) | 1.03% | 0.90% | 1.03% | 1.22% | 1.30% | 1.15% | 1.99% | 1.88% |
| ▆█▇▅▄▃▁▁ | Efficiency Ratio (%) | 60.5% | 65.2% | 62.9% | 59.4% | 57.3% | 56.5% | 52.4% | 51.6% |
| ██▆▅▄▂▂▁ | Cost of Funds (%) | 1.84% | 1.86% | 1.69% | 1.62% | 1.59% | 1.45% | 1.43% | 1.37% |
| ▁▁▄█▆█▅█ | NPA / Assets (%) | 0.02% | 0.02% | 0.32% | 0.66% | 0.44% | 0.69% | 0.38% | 0.68% |
| ▁▁▄█▆█▅█ | Net Charge-Off Ratio (%) | 0.03% | 0.02% | 0.42% | 0.86% | 0.58% | 0.91% | 0.51% | 0.90% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $17 | $16 | $17 | $18 | $19 | $19 | $19 | $20 |
| ▁▂▃▅▅▆▇█ | Gross Loans ($M) | $159 | $164 | $167 | $171 | $170 | $175 | $179 | $181 |
| ▁▁▅▄▃▄▇█ | Total Deposits ($M) | $189 | $186 | $207 | $205 | $201 | $202 | $220 | $225 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 8% |
| Agricultural | 1% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 8% |