Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.41% | +0.06 | 1.35% |
| Return on Equity (%) | ▼ | 14.40% | -0.57 | 14.97% |
| Net Interest Margin (%) | ▲ | 4.36% | +0.26 | 4.10% |
| Efficiency Ratio (%) | ▼ | 59.97% | +1.04 | 58.93% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.13 | $2 |
| Cost of Funds (%) | ▲ | 1.07% | -0.12 | 1.19% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $338 | +12.39 | $326 |
| Gross Loans ($M) | ▲ | $222 | +1.06 | $221 |
| Loan Growth YoY (%) | ▼ | 77.51% | -2.04 | 79.56% |
| Total Deposits ($M) | ▲ | $282 | +8.60 | $274 |
| Shareholders Equity ($M) | ▲ | $33 | +2.89 | $30 |
| Tang. Book Value ($M) | ▲ | $33 | +2.89 | $30 |
| TBV excl. AOCI ($M)** | ▲ | $37 | +2.98 | $34 |
| Loan / Deposit Ratio (%) | ▼ | 77.51% | -2.04 | 79.56% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.43% | +0.48 | 0.95% |
| Allowance / Loans (%) | — | 1.40% | -0.01% | 1.42% |
| Net Charge-Off Ratio (%) | ▼ | 2.18% | +0.78 | 1.40% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▆██ | Net Interest Margin (%) | 3.68% | 3.71% | 4.00% | 4.10% | 4.15% | 4.18% | 4.34% | 4.36% |
| ▃▁▄▇█▇▅█ | Return on Assets (%) | 1.21% | 1.14% | 1.25% | 1.35% | 1.38% | 1.37% | 1.29% | 1.41% |
| ▂▆▅▁▁▁█▃ | Efficiency Ratio (%) | 59.7% | 61.9% | 61.1% | 58.9% | 58.4% | 59.0% | 63.8% | 60.0% |
| █▇▂▂▅▅▁▁ | Cost of Funds (%) | 1.61% | 1.51% | 1.18% | 1.19% | 1.41% | 1.34% | 1.11% | 1.07% |
| ▁▁▂▆▃▃▅█ | NPA / Assets (%) | 0.05% | 0.07% | 0.26% | 0.95% | 0.44% | 0.54% | 0.78% | 1.43% |
| ▁▁▂▆▃▃▅█ | Net Charge-Off Ratio (%) | 0.07% | 0.11% | 0.42% | 1.40% | 0.65% | 0.81% | 1.20% | 2.18% |
| ▄▁▂▄▇█▇█ | Tang. Book Value ($M) | $30 | $28 | $29 | $30 | $31 | $32 | $32 | $33 |
| ▄▁▁▇█▅▂█ | Gross Loans ($M) | $213 | $204 | $201 | $221 | $225 | $215 | $205 | $222 |
| ▁▁█▃▁▄█▆ | Total Deposits ($M) | $268 | $267 | $289 | $274 | $269 | $276 | $288 | $282 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 52% |
| C&I / Commercial | 11% |
| Agricultural | 29% |
| Consumer | 7% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 5% |