Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 3.60% | +0.51 | 3.09% |
| Return on Equity (%) | ▲ | 23.70% | +0.80 | 22.90% |
| Net Interest Margin (%) | ▲ | 6.08% | +0.45 | 5.63% |
| Efficiency Ratio (%) | ▲ | 43.87% | -5.34 | 49.22% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.15 | $3 |
| Cost of Funds (%) | ▲ | 0.72% | -0.09 | 0.81% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $299 | +1.71 | $297 |
| Gross Loans ($M) | ▲ | $245 | +34.80 | $210 |
| Loan Growth YoY (%) | ▲ | 95.45% | +14.61 | 80.84% |
| Total Deposits ($M) | ▼ | $252 | -3.03 | $255 |
| Shareholders Equity ($M) | ▲ | $46 | +4.97 | $41 |
| Tang. Book Value ($M) | ▲ | $46 | +4.97 | $41 |
| TBV excl. AOCI ($M)** | ▲ | $48 | +3.66 | $44 |
| Loan / Deposit Ratio (%) | ▲ | 95.45% | +14.61 | 80.84% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.12% | +0.02 | 0.10% |
| Allowance / Loans (%) | — | 1.76% | -0.10% | 1.86% |
| Net Charge-Off Ratio (%) | ▼ | 0.11% | +0.01 | 0.10% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 21.55% | -0.98 | 22.53% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▄▆██ | Net Interest Margin (%) | 5.43% | 5.46% | 5.47% | 5.63% | 5.73% | 5.85% | 6.00% | 6.08% |
| ▄▃▁▄▅▄██ | Return on Assets (%) | 3.09% | 2.93% | 2.64% | 3.09% | 3.16% | 3.10% | 3.57% | 3.60% |
| ▂▄█▅▄▄▁▁ | Efficiency Ratio (%) | 46.3% | 47.8% | 54.7% | 49.2% | 48.5% | 48.2% | 43.6% | 43.9% |
| █▇▃▄▃▄▁▁ | Cost of Funds (%) | 0.93% | 0.89% | 0.78% | 0.81% | 0.78% | 0.81% | 0.71% | 0.72% |
| ▆▃▁▁▁▂█▂ | NPA / Assets (%) | 0.21% | 0.15% | 0.09% | 0.10% | 0.08% | 0.10% | 0.28% | 0.12% |
| ▅▃▁▁▁▂█▁ | Net Charge-Off Ratio (%) | 0.25% | 0.18% | 0.09% | 0.10% | 0.10% | 0.13% | 0.35% | 0.11% |
| ▁▁▁▃▆▇▆█ | Tang. Book Value ($M) | $39 | $39 | $39 | $41 | $44 | $45 | $44 | $46 |
| ▁▁▁▄▅▇▇█ | Gross Loans ($M) | $188 | $193 | $194 | $210 | $223 | $235 | $237 | $245 |
| ▁▄█▇▅▂█▆ | Total Deposits ($M) | $231 | $243 | $260 | $255 | $248 | $238 | $259 | $252 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 79% |
| C&I / Commercial | 11% |
| Agricultural | 3% |
| Consumer | 5% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 8% |