Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.01% | +0.28 | 1.74% |
| Return on Equity (%) | ▲ | 15.42% | +0.23 | 15.19% |
| Net Interest Margin (%) | ▲ | 3.95% | +0.36 | 3.59% |
| Efficiency Ratio (%) | ▲ | 50.24% | -1.03 | 51.27% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.27 | $1 |
| Cost of Funds (%) | ▼ | 1.46% | +0.23 | 1.23% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $281 | +20.36 | $261 |
| Gross Loans ($M) | ▲ | $130 | +16.91 | $113 |
| Loan Growth YoY (%) | ▲ | 58.26% | +6.19 | 52.07% |
| Total Deposits ($M) | ▲ | $219 | +6.09 | $213 |
| Shareholders Equity ($M) | ▲ | $34 | +3.94 | $30 |
| Tang. Book Value ($M) | ▲ | $34 | +3.94 | $30 |
| TBV excl. AOCI ($M)** | ▲ | $36 | +3.88 | $33 |
| Loan / Deposit Ratio (%) | ▲ | 58.26% | +6.19 | 52.07% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.22% | +0.22 | 0.00% |
| Allowance / Loans (%) | — | 1.64% | -0.08% | 1.72% |
| Net Charge-Off Ratio (%) | ▼ | 0.47% | +0.47 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▃▅▁▅▄██ | Net Interest Margin (%) | 3.80% | 3.71% | 3.79% | 3.59% | 3.80% | 3.78% | 3.98% | 3.95% |
| █▆▁▁▅▄▂▇ | Return on Assets (%) | 2.07% | 1.95% | 1.72% | 1.74% | 1.89% | 1.88% | 1.78% | 2.01% |
| ▂▂█▆▁▁█▄ | Efficiency Ratio (%) | 48.9% | 48.4% | 53.0% | 51.3% | 47.7% | 47.9% | 53.2% | 50.2% |
| █▁▃▁▄▂▂▂ | Cost of Funds (%) | 2.22% | 1.29% | 1.54% | 1.23% | 1.69% | 1.45% | 1.46% | 1.46% |
| ▁▁▁▁▁▁▁█ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.22% |
| ▁▁▁▁▁▁▁█ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.47% |
| ▁▁▂▄▅▇▇█ | Tang. Book Value ($M) | $28 | $28 | $29 | $30 | $31 | $32 | $33 | $34 |
| ▁▃▂▁▅███ | Gross Loans ($M) | $112 | $118 | $115 | $113 | $123 | $129 | $129 | $130 |
| ▁█▅█▁▄▃█ | Total Deposits ($M) | $159 | $220 | $189 | $213 | $157 | $185 | $174 | $219 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 70% |
| C&I / Commercial | 21% |
| Agricultural | 2% |
| Other | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 80% |
| Brokered / Other | 2% |