Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.33% | +0.08 | 1.25% |
| Return on Equity (%) | ▼ | 12.87% | -0.88 | 13.75% |
| Net Interest Margin (%) | ▲ | 4.19% | +0.30 | 3.90% |
| Efficiency Ratio (%) | ▲ | 68.55% | -1.27 | 69.82% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.12 | $1 |
| Cost of Funds (%) | ▲ | 0.78% | -0.08 | 0.86% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $182 | +3.65 | $178 |
| Gross Loans ($M) | ▼ | $95 | -2.48 | $98 |
| Loan Growth YoY (%) | ▼ | 58.40% | -2.16 | 60.56% |
| Total Deposits ($M) | ▲ | $161 | +1.60 | $159 |
| Shareholders Equity ($M) | ▲ | $19 | +1.66 | $17 |
| Tang. Book Value ($M) | ▲ | $17 | +0.98 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +0.76 | $20 |
| Loan / Deposit Ratio (%) | ▼ | 58.40% | -2.16 | 60.56% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.50% | +0.26 | 0.25% |
| Allowance / Loans (%) | — | 1.35% | 0.06% | 1.29% |
| Net Charge-Off Ratio (%) | ▼ | 0.96% | +0.53 | 0.43% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 18.34% | -0.04 | 18.39% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆▇█ | Net Interest Margin (%) | 3.64% | 3.69% | 3.81% | 3.90% | 3.98% | 4.01% | 4.07% | 4.19% |
| ▁▁▅▇▂▁▅█ | Return on Assets (%) | 0.99% | 1.01% | 1.19% | 1.25% | 1.07% | 1.00% | 1.17% | 1.33% |
| ██▆▃▂▂█▁ | Efficiency Ratio (%) | 72.4% | 72.4% | 71.1% | 69.8% | 69.2% | 69.3% | 72.1% | 68.5% |
| █▅▄▄▃▂▁▁ | Cost of Funds (%) | 0.99% | 0.90% | 0.86% | 0.86% | 0.83% | 0.81% | 0.78% | 0.78% |
| ▁▁▁▃▃██▆ | NPA / Assets (%) | 0.07% | 0.10% | 0.14% | 0.25% | 0.27% | 0.69% | 0.62% | 0.50% |
| ▁▁▂▃▃██▇ | Net Charge-Off Ratio (%) | 0.12% | 0.18% | 0.28% | 0.43% | 0.48% | 1.22% | 1.20% | 0.96% |
| ▆▁▃▆█▇▆█ | Tang. Book Value ($M) | $17 | $14 | $15 | $17 | $18 | $17 | $17 | $17 |
| █▃▁▅▅▇▁▂ | Gross Loans ($M) | $101 | $97 | $95 | $98 | $98 | $100 | $94 | $95 |
| ▆▅█▄▁▂▆▅ | Total Deposits ($M) | $162 | $161 | $165 | $159 | $154 | $157 | $162 | $161 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 73% |
| C&I / Commercial | 10% |
| Agricultural | 12% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 4% |