Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.38% | +0.21 | 1.17% |
| Return on Equity (%) | ▲ | 18.62% | +1.43 | 17.19% |
| Net Interest Margin (%) | ▲ | 4.11% | +0.21 | 3.90% |
| Efficiency Ratio (%) | ▲ | 65.01% | -1.76 | 66.77% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.02 | $0 |
| Cost of Funds (%) | ▼ | 1.51% | +0.09 | 1.41% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $102 | +1.57 | $100 |
| Gross Loans ($M) | ▲ | $80 | +3.25 | $77 |
| Loan Growth YoY (%) | ▲ | 92.24% | +1.54 | 90.70% |
| Total Deposits ($M) | ▲ | $85 | +2.08 | $83 |
| Shareholders Equity ($M) | ▲ | $8 | +0.65 | $7 |
| Tang. Book Value ($M) | ▲ | $8 | +0.65 | $7 |
| Loan / Deposit Ratio (%) | ▲ | 92.24% | +1.54 | 90.70% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.22% | -0.10 | 0.33% |
| Allowance / Loans (%) | — | 1.57% | 0.00% | 1.57% |
| Net Charge-Off Ratio (%) | ▲ | 0.29% | -0.14 | 0.43% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.26% | -0.54 | 12.80% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▆▇▇██ | Net Interest Margin (%) | 3.34% | 3.44% | 3.79% | 3.90% | 3.97% | 4.00% | 4.10% | 4.11% |
| ▁▁▂▅▇█▇█ | Return on Assets (%) | 0.83% | 0.87% | 0.93% | 1.17% | 1.25% | 1.32% | 1.31% | 1.38% |
| ██▆▂▂▁▂▁ | Efficiency Ratio (%) | 73.6% | 73.2% | 70.8% | 66.8% | 66.0% | 64.7% | 66.6% | 65.0% |
| █▅▃▁▂▁▂▂ | Cost of Funds (%) | 1.86% | 1.69% | 1.57% | 1.41% | 1.47% | 1.41% | 1.51% | 1.51% |
| ▁▁▇██▆▆▆ | NPA / Assets (%) | 0.00% | 0.01% | 0.26% | 0.33% | 0.33% | 0.25% | 0.23% | 0.22% |
| ▁▁▇██▇▆▆ | Net Charge-Off Ratio (%) | 0.01% | 0.01% | 0.35% | 0.43% | 0.44% | 0.33% | 0.30% | 0.29% |
| ▆▁▄▄█▅▇▇ | Tang. Book Value ($M) | $7 | $6 | $7 | $7 | $8 | $7 | $8 | $8 |
| ▄▃▁▄▄▅▇█ | Gross Loans ($M) | $76 | $76 | $74 | $77 | $76 | $77 | $79 | $80 |
| ▁▇▂▃▆█▆▅ | Total Deposits ($M) | $80 | $87 | $82 | $83 | $86 | $88 | $85 | $85 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 6% |
| Agricultural | 6% |
| Consumer | 5% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 9% |