Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.12% | +0.19 | 1.94% |
| Return on Equity (%) | ▼ | 21.31% | -0.20 | 21.51% |
| Net Interest Margin (%) | ▲ | 3.78% | +0.46 | 3.33% |
| Efficiency Ratio (%) | ▲ | 44.14% | -4.10 | 48.24% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.56 | $2 |
| Cost of Funds (%) | ▲ | 1.38% | -0.24 | 1.62% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $436 | +24.51 | $412 |
| Gross Loans ($M) | ▲ | $209 | +15.74 | $194 |
| Loan Growth YoY (%) | ▲ | 52.79% | +1.30 | 51.49% |
| Total Deposits ($M) | ▲ | $389 | +20.38 | $369 |
| Shareholders Equity ($M) | ▲ | $44 | +4.85 | $39 |
| Tang. Book Value ($M) | ▲ | $44 | +4.85 | $39 |
| TBV excl. AOCI ($M)** | ▲ | $54 | +5.39 | $49 |
| Loan / Deposit Ratio (%) | ▲ | 52.79% | +1.30 | 51.49% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.15% | +0.15 | 0.01% |
| Allowance / Loans (%) | — | 2.00% | -0.06% | 2.06% |
| Net Charge-Off Ratio (%) | ▼ | 0.32% | +0.31 | 0.01% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 18.00% | -0.62 | 18.63% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆██ | Net Interest Margin (%) | 2.96% | 3.00% | 3.21% | 3.33% | 3.43% | 3.50% | 3.69% | 3.78% |
| ▁▁▆▆▇▆██ | Return on Assets (%) | 1.61% | 1.58% | 1.97% | 1.94% | 2.03% | 1.94% | 2.11% | 2.12% |
| ▇█▃▅▄▅▁▂ | Efficiency Ratio (%) | 51.8% | 53.3% | 45.5% | 48.2% | 47.2% | 48.5% | 42.7% | 44.1% |
| █▆▄▄▃▂▁▁ | Cost of Funds (%) | 2.01% | 1.85% | 1.62% | 1.62% | 1.57% | 1.51% | 1.36% | 1.38% |
| ▁▆▆▁▁▁▅█ | NPA / Assets (%) | 0.01% | 0.11% | 0.10% | 0.01% | 0.01% | 0.00% | 0.09% | 0.15% |
| ▁▆▆▁▁▁▅█ | Net Charge-Off Ratio (%) | 0.02% | 0.22% | 0.23% | 0.01% | 0.01% | 0.01% | 0.20% | 0.32% |
| ▄▁▃▄▇█▇█ | Tang. Book Value ($M) | $39 | $35 | $38 | $39 | $42 | $43 | $42 | $44 |
| ▄▄▁▂▃▄▄█ | Gross Loans ($M) | $199 | $200 | $191 | $194 | $197 | $198 | $199 | $209 |
| ▁▅▇▄▆▇██ | Total Deposits ($M) | $349 | $373 | $379 | $369 | $375 | $380 | $385 | $389 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 3% |
| Agricultural | 13% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 14% |