Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | — | 1.56% | 0.00 | 1.56% |
| Return on Equity (%) | ▼ | 9.50% | -0.70 | 10.20% |
| Net Interest Margin (%) | ▲ | 4.28% | +0.32 | 3.96% |
| Efficiency Ratio (%) | ▼ | 50.78% | +2.60 | 48.18% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.04 | $1 |
| Cost of Funds (%) | ▲ | 1.15% | -0.12 | 1.27% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $205 | -1.25 | $206 |
| Gross Loans ($M) | ▼ | $147 | -8.30 | $155 |
| Loan Growth YoY (%) | ▼ | 85.69% | -3.31 | 89.00% |
| Total Deposits ($M) | ▼ | $169 | -3.17 | $172 |
| Shareholders Equity ($M) | ▲ | $35 | +1.88 | $33 |
| Tang. Book Value ($M) | ▲ | $30 | +1.88 | $28 |
| TBV excl. AOCI ($M)** | ▲ | $32 | +1.92 | $30 |
| Loan / Deposit Ratio (%) | ▼ | 85.69% | -3.31 | 89.00% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.85% | +0.30 | 1.56% |
| Allowance / Loans (%) | — | 1.43% | 0.15% | 1.28% |
| Net Charge-Off Ratio (%) | ▼ | 2.58% | +0.51 | 2.06% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 19.91% | +2.42 | 17.50% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▆▆█ | Net Interest Margin (%) | 3.49% | 3.54% | 3.85% | 3.96% | 4.02% | 4.04% | 4.07% | 4.28% |
| ▁▂▆██▇▆█ | Return on Assets (%) | 1.30% | 1.36% | 1.49% | 1.56% | 1.55% | 1.52% | 1.50% | 1.56% |
| █▅▃▁▃▂█▆ | Efficiency Ratio (%) | 51.6% | 50.2% | 49.1% | 48.2% | 49.2% | 48.9% | 51.7% | 50.8% |
| █▆▄▂▂▂▂▁ | Cost of Funds (%) | 1.79% | 1.58% | 1.40% | 1.27% | 1.24% | 1.28% | 1.23% | 1.15% |
| ▁▁▂▆▁▂█▇ | NPA / Assets (%) | 0.11% | 0.23% | 0.40% | 1.56% | 0.36% | 0.53% | 2.25% | 1.85% |
| ▁▁▂▅▁▂█▇ | Net Charge-Off Ratio (%) | 0.15% | 0.30% | 0.55% | 2.06% | 0.47% | 0.71% | 3.29% | 2.58% |
| ▁▁▃▅▆▇██ | Tang. Book Value ($M) | $26 | $27 | $28 | $28 | $29 | $29 | $30 | $30 |
| █▆▅▄▃▅▁▁ | Gross Loans ($M) | $168 | $161 | $158 | $155 | $155 | $158 | $150 | $147 |
| █▇▆▃▁▄▇▁ | Total Deposits ($M) | $188 | $183 | $181 | $172 | $167 | $175 | $183 | $169 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 44% |
| C&I / Commercial | 11% |
| Agricultural | 43% |
| Consumer | 1% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 6% |