Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.64% | +0.36 | 1.28% |
| Return on Equity (%) | ▲ | 17.42% | +2.74 | 14.68% |
| Net Interest Margin (%) | ▲ | 3.81% | +0.41 | 3.40% |
| Efficiency Ratio (%) | ▲ | 54.49% | -3.81 | 58.30% |
| Pre-Provision Profit ($M) | ▲ | $5 | +0.64 | $4 |
| Cost of Funds (%) | ▲ | 1.94% | -0.05 | 1.98% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $1,041 | +58.70 | $982 |
| Gross Loans ($M) | ▲ | $758 | +56.63 | $701 |
| Loan Growth YoY (%) | ▲ | 90.28% | +4.60 | 85.68% |
| Total Deposits ($M) | ▲ | $827 | +20.67 | $807 |
| Shareholders Equity ($M) | ▲ | $99 | +11.61 | $88 |
| Tang. Book Value ($M) | ▲ | $92 | +11.91 | $80 |
| TBV excl. AOCI ($M)** | ▲ | $103 | +12.34 | $90 |
| Loan / Deposit Ratio (%) | ▲ | 90.28% | +4.60 | 85.68% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.09% | +0.19 | 0.90% |
| Allowance / Loans (%) | — | 1.44% | 0.01% | 1.43% |
| Net Charge-Off Ratio (%) | ▼ | 1.44% | +0.24 | 1.19% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 11.98% | +0.15 | 11.83% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▇██ | Net Interest Margin (%) | 2.84% | 2.93% | 3.29% | 3.40% | 3.49% | 3.57% | 3.75% | 3.81% |
| ▁▁▄▅▆▆██ | Return on Assets (%) | 0.79% | 0.87% | 1.20% | 1.28% | 1.35% | 1.41% | 1.60% | 1.64% |
| ██▅▃▃▃▁▁ | Efficiency Ratio (%) | 67.1% | 67.2% | 61.3% | 58.3% | 57.9% | 57.7% | 54.2% | 54.5% |
| █▇▄▃▅▂▁▂ | Cost of Funds (%) | 2.19% | 2.13% | 2.00% | 1.98% | 2.03% | 1.94% | 1.88% | 1.94% |
| ▁▁▁▆████ | NPA / Assets (%) | 0.26% | 0.18% | 0.16% | 0.90% | 1.21% | 1.13% | 1.16% | 1.09% |
| ▂▁▁▆████ | Net Charge-Off Ratio (%) | 0.37% | 0.19% | 0.16% | 1.19% | 1.61% | 1.52% | 1.54% | 1.44% |
| ▂▁▂▃▅▇▇█ | Tang. Book Value ($M) | $76 | $73 | $76 | $80 | $83 | $89 | $87 | $92 |
| ▁▁▂▄▅▇▇█ | Gross Loans ($M) | $661 | $669 | $685 | $701 | $711 | $735 | $743 | $758 |
| ▁▂▅▅▅█▇▇ | Total Deposits ($M) | $765 | $782 | $801 | $807 | $809 | $838 | $823 | $827 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 73% |
| C&I / Commercial | 18% |
| Agricultural | 8% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 15% |