Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.79% | +0.33 | 0.46% |
| Return on Equity (%) | ▲ | 10.41% | +3.67 | 6.74% |
| Net Interest Margin (%) | ▲ | 2.54% | +0.18 | 2.36% |
| Efficiency Ratio (%) | ▼ | 82.39% | +2.30 | 80.09% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.14 | $0 |
| Cost of Funds (%) | ▲ | 2.70% | -0.08 | 2.78% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $170 | +19.50 | $150 |
| Gross Loans ($M) | ▲ | $93 | +18.93 | $74 |
| Loan Growth YoY (%) | ▲ | 66.09% | +7.12 | 58.97% |
| Total Deposits ($M) | ▲ | $140 | +15.30 | $124 |
| Shareholders Equity ($M) | ▲ | $13 | +4.15 | $9 |
| Tang. Book Value ($M) | ▲ | $13 | +4.15 | $9 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +4.26 | $12 |
| Loan / Deposit Ratio (%) | ▲ | 66.09% | +7.12 | 58.97% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.00% | +0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.57% | -0.19% | 0.76% |
| Net Charge-Off Ratio (%) | ▼ | 0.01% | +0.01 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▃▄▄██ | Net Interest Margin (%) | 2.31% | 2.29% | 2.37% | 2.36% | 2.40% | 2.41% | 2.51% | 2.54% |
| ▁▁▃▂█▇█▆ | Return on Assets (%) | 0.35% | 0.30% | 0.54% | 0.46% | 0.92% | 0.85% | 0.97% | 0.79% |
| ▆▇▄▅▁▁█▅ | Efficiency Ratio (%) | 84.8% | 87.0% | 77.0% | 80.1% | 69.9% | 67.4% | 92.0% | 82.4% |
| ██▃▂▂▄▅▁ | Cost of Funds (%) | 3.05% | 3.01% | 2.80% | 2.78% | 2.78% | 2.84% | 2.89% | 2.70% |
| ▁▁▁▁▁▁▁█ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▁▁▁▁█ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% |
| ▅▄▄▁▅▇▆█ | Tang. Book Value ($M) | $11 | $11 | $11 | $9 | $11 | $12 | $12 | $13 |
| ▁▁▁▁▃▃▄█ | Gross Loans ($M) | $73 | $75 | $75 | $74 | $79 | $80 | $83 | $93 |
| ▁▂▂▂▆▆▆█ | Total Deposits ($M) | $120 | $123 | $123 | $124 | $133 | $133 | $132 | $140 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 55% |
| C&I / Commercial | 30% |
| Agricultural | 12% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 36% |
| Brokered / Other | 48% |