Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.52% | -0.10 | 0.63% |
| Return on Equity (%) | ▼ | 8.56% | -6.48 | 15.04% |
| Net Interest Margin (%) | ▲ | 3.72% | +0.09 | 3.63% |
| Efficiency Ratio (%) | ▼ | 84.86% | +3.68 | 81.18% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.17 | $1 |
| Cost of Funds (%) | ▲ | 0.75% | -0.01 | 0.76% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $251 | -14.24 | $265 |
| Gross Loans ($M) | ▼ | $141 | -5.34 | $146 |
| Loan Growth YoY (%) | ▲ | 59.16% | +2.53 | 56.63% |
| Total Deposits ($M) | ▼ | $234 | -20.11 | $254 |
| Shareholders Equity ($M) | ▲ | $16 | +5.88 | $10 |
| Tang. Book Value ($M) | ▲ | $16 | +5.88 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +5.73 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 59.16% | +2.53 | 56.63% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.54% | -0.12 | 0.65% |
| Allowance / Loans (%) | — | 1.54% | 0.14% | 1.40% |
| Net Charge-Off Ratio (%) | ▲ | 0.95% | -0.23 | 1.19% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▆▇████ | Net Interest Margin (%) | 3.24% | 3.29% | 3.55% | 3.63% | 3.66% | 3.69% | 3.69% | 3.72% |
| ▁▃▇███▇█ | Return on Assets (%) | -0.62% | -0.24% | 0.42% | 0.63% | 0.68% | 0.68% | 0.44% | 0.52% |
| █▅█▂▁▁█▆ | Efficiency Ratio (%) | 87.2% | 83.8% | 86.6% | 81.2% | 80.1% | 80.3% | 86.9% | 84.9% |
| ██▂▂█▃▁▂ | Cost of Funds (%) | 0.88% | 0.87% | 0.75% | 0.76% | 0.88% | 0.76% | 0.72% | 0.75% |
| ▅▁▁█▅▄▅▆ | NPA / Assets (%) | 0.48% | 0.32% | 0.29% | 0.65% | 0.51% | 0.43% | 0.50% | 0.54% |
| ▅▁▁█▅▄▅▆ | Net Charge-Off Ratio (%) | 0.89% | 0.49% | 0.54% | 1.19% | 0.90% | 0.77% | 0.92% | 0.95% |
| ▅▁▂▁▅█▇█ | Tang. Book Value ($M) | $14 | $11 | $11 | $10 | $14 | $16 | $15 | $16 |
| ▁▁▂██▅▂▃ | Gross Loans ($M) | $138 | $139 | $139 | $146 | $147 | $143 | $140 | $141 |
| ▁▁▅█▄▄▃▁ | Total Deposits ($M) | $234 | $236 | $245 | $254 | $244 | $243 | $241 | $234 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 95% |
| C&I / Commercial | 2% |
| Agricultural | 1% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 1% |