Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.35% | +0.14 | 1.21% |
| Return on Equity (%) | ▲ | 9.03% | +0.51 | 8.52% |
| Net Interest Margin (%) | ▲ | 3.46% | +0.26 | 3.20% |
| Efficiency Ratio (%) | ▼ | 61.26% | +0.55 | 60.71% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.02 | $0 |
| Cost of Funds (%) | ▲ | 1.45% | -0.05 | 1.50% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $119 | +2.60 | $116 |
| Gross Loans ($M) | ▲ | $68 | +0.48 | $67 |
| Loan Growth YoY (%) | ▼ | 69.51% | -0.68 | 70.19% |
| Total Deposits ($M) | ▲ | $97 | +1.57 | $95 |
| Shareholders Equity ($M) | ▲ | $18 | +1.09 | $17 |
| Tang. Book Value ($M) | ▲ | $18 | +1.09 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +1.21 | $18 |
| Loan / Deposit Ratio (%) | ▼ | 69.51% | -0.68 | 70.19% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.20% | +0.19 | 0.01% |
| Allowance / Loans (%) | — | 0.99% | 0.04% | 0.94% |
| Net Charge-Off Ratio (%) | ▼ | 0.35% | +0.34 | 0.02% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▆▇▇██ | Net Interest Margin (%) | 2.66% | 2.70% | 3.05% | 3.20% | 3.30% | 3.34% | 3.41% | 3.46% |
| ▁▁▄▆▅▃█▇ | Return on Assets (%) | 0.70% | 0.68% | 1.04% | 1.21% | 1.13% | 0.96% | 1.46% | 1.35% |
| ██▄▁▂▄▁▁ | Efficiency Ratio (%) | 71.2% | 72.6% | 65.9% | 60.7% | 63.0% | 66.0% | 62.2% | 61.3% |
| █▆▃▃▃▂▁▂ | Cost of Funds (%) | 1.71% | 1.61% | 1.48% | 1.50% | 1.50% | 1.47% | 1.40% | 1.45% |
| ▁▁▁▁▁▁█▇ | NPA / Assets (%) | 0.00% | 0.02% | 0.02% | 0.01% | 0.01% | 0.01% | 0.24% | 0.20% |
| ▁▁▁▁▁▁█▇ | Net Charge-Off Ratio (%) | 0.00% | 0.03% | 0.04% | 0.02% | 0.02% | 0.01% | 0.43% | 0.35% |
| ▁▁▂▄▆▇▇█ | Tang. Book Value ($M) | $16 | $16 | $16 | $17 | $17 | $17 | $18 | $18 |
| ▁▃▁▆█▇▅▇ | Gross Loans ($M) | $61 | $63 | $61 | $67 | $70 | $69 | $66 | $68 |
| ▁▄▇▄▃▅█▆ | Total Deposits ($M) | $91 | $94 | $98 | $95 | $94 | $96 | $99 | $97 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 64% |
| C&I / Commercial | 10% |
| Agricultural | 18% |
| Consumer | 6% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 5% |