Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.24% | -0.26 | 1.50% |
| Return on Equity (%) | ▼ | 15.09% | -3.85 | 18.94% |
| Net Interest Margin (%) | ▲ | 4.03% | +0.25 | 3.78% |
| Efficiency Ratio (%) | ▼ | 62.64% | +6.01 | 56.64% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.27 | $1 |
| Cost of Funds (%) | ▼ | 0.84% | +0.09 | 0.75% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $135 | +1.36 | $134 |
| Gross Loans ($M) | ▲ | $76 | +2.32 | $73 |
| Loan Growth YoY (%) | ▲ | 60.58% | +1.10 | 59.49% |
| Total Deposits ($M) | ▲ | $123 | +1.39 | $121 |
| Shareholders Equity ($M) | ▲ | $12 | +0.09 | $12 |
| Tang. Book Value ($M) | ▲ | $12 | +0.09 | $12 |
| TBV excl. AOCI ($M)** | ▲ | $14 | +0.04 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 60.58% | +1.10 | 59.49% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.40% | -0.36 | 0.76% |
| Allowance / Loans (%) | — | 1.57% | 0.16% | 1.41% |
| Net Charge-Off Ratio (%) | ▲ | 0.72% | -0.67 | 1.39% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 17.10% | -3.05 | 20.15% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▅▆▇█ | Net Interest Margin (%) | 3.52% | 3.56% | 3.67% | 3.78% | 3.81% | 3.87% | 3.97% | 4.03% |
| ▁▁▃█▇▄▅▄ | Return on Assets (%) | 1.06% | 1.01% | 1.16% | 1.50% | 1.41% | 1.20% | 1.26% | 1.24% |
| ▆█▅▁▂▅▅▆ | Efficiency Ratio (%) | 63.1% | 65.2% | 61.8% | 56.6% | 57.9% | 61.4% | 61.6% | 62.6% |
| ▁▃▁▃▇▆▄█ | Cost of Funds (%) | 0.72% | 0.74% | 0.71% | 0.75% | 0.81% | 0.80% | 0.77% | 0.84% |
| ▂▄▅█▂▁▁▁ | NPA / Assets (%) | 0.46% | 0.56% | 0.62% | 0.76% | 0.45% | 0.44% | 0.41% | 0.40% |
| ▃▅▇█▂▂▁▁ | Net Charge-Off Ratio (%) | 0.89% | 1.09% | 1.23% | 1.39% | 0.83% | 0.84% | 0.78% | 0.72% |
| ▁▁▃█▅▆▆█ | Tang. Book Value ($M) | $10 | $10 | $11 | $12 | $11 | $11 | $11 | $12 |
| ▂▁▁▆▆▅▆█ | Gross Loans ($M) | $70 | $69 | $69 | $73 | $73 | $72 | $73 | $76 |
| ▇▅▇▁▂▅█▂ | Total Deposits ($M) | $126 | $124 | $126 | $121 | $123 | $125 | $127 | $123 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 5% |
| Agricultural | 2% |
| Consumer | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 72% |