Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.17% | +0.15 | 1.01% |
| Return on Equity (%) | ▲ | 9.59% | +2.04 | 7.55% |
| Net Interest Margin (%) | ▼ | 4.89% | -0.22 | 5.11% |
| Efficiency Ratio (%) | ▼ | 58.22% | +4.89 | 53.34% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.14 | $1 |
| Cost of Funds (%) | ▲ | 1.76% | -0.21 | 1.97% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $251 | +7.39 | $243 |
| Gross Loans ($M) | ▲ | $157 | +0.14 | $156 |
| Loan Growth YoY (%) | ▼ | 71.95% | -4.47 | 76.42% |
| Total Deposits ($M) | ▲ | $217 | +12.87 | $204 |
| Shareholders Equity ($M) | ▼ | $30 | -2.75 | $32 |
| Tang. Book Value ($M) | ▼ | $19 | -1.19 | $20 |
| TBV excl. AOCI ($M)** | ▼ | $22 | -0.14 | $22 |
| Loan / Deposit Ratio (%) | ▼ | 71.95% | -4.47 | 76.42% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.13% | +0.07 | 0.06% |
| Allowance / Loans (%) | — | 0.51% | -0.01% | 0.52% |
| Net Charge-Off Ratio (%) | ▼ | 0.21% | +0.12 | 0.09% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.27% | -0.74 | 13.01% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▁▂▂▂▁▁ | Net Interest Margin (%) | 6.12% | 5.94% | 4.96% | 5.11% | 5.14% | 5.14% | 4.83% | 4.89% |
| ██▁▂▅▅▂▄ | Return on Assets (%) | 1.55% | 1.52% | 0.86% | 1.01% | 1.22% | 1.28% | 1.03% | 1.17% |
| ▁▁█▅▄▄█▇ | Efficiency Ratio (%) | 43.1% | 44.0% | 60.5% | 53.3% | 52.1% | 51.7% | 61.4% | 58.2% |
| ▆█▅▅▂▃▁▁ | Cost of Funds (%) | 1.98% | 2.13% | 1.96% | 1.97% | 1.83% | 1.84% | 1.73% | 1.76% |
| ▁▁▁▄▄▄██ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.06% | 0.06% | 0.06% | 0.14% | 0.13% |
| ▁▁▁▄▄▄██ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.09% | 0.09% | 0.10% | 0.22% | 0.21% |
| ▇▆██▄▂▁▂ | Tang. Book Value ($M) | $20 | $20 | $20 | $20 | $20 | $19 | $19 | $19 |
| ▂▆▂██▄▁█ | Gross Loans ($M) | $150 | $154 | $150 | $156 | $156 | $152 | $148 | $157 |
| ▁▃▆▅▇▅▇█ | Total Deposits ($M) | $188 | $197 | $207 | $204 | $210 | $206 | $210 | $217 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 82% |
| C&I / Commercial | 9% |
| Agricultural | 5% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 10% |