Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.81% | +0.25 | 1.56% |
| Return on Equity (%) | ▼ | 19.80% | -3.48 | 23.28% |
| Net Interest Margin (%) | ▲ | 3.03% | +0.27 | 2.75% |
| Efficiency Ratio (%) | ▼ | 39.36% | +7.97 | 31.39% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.05 | $1 |
| Cost of Funds (%) | ▲ | 0.99% | -0.26 | 1.25% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $140 | -10.13 | $150 |
| Gross Loans ($M) | ▼ | $45 | -2.47 | $48 |
| Loan Growth YoY (%) | ▲ | 35.81% | +1.23 | 34.59% |
| Total Deposits ($M) | ▼ | $126 | -11.63 | $138 |
| Shareholders Equity ($M) | ▲ | $13 | +1.53 | $12 |
| Tang. Book Value ($M) | ▲ | $13 | +1.53 | $12 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +1.54 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 35.81% | +1.23 | 34.59% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.03% | +0.00 | 0.03% |
| Allowance / Loans (%) | — | 0.35% | 0.01% | 0.33% |
| Net Charge-Off Ratio (%) | ▼ | 0.10% | +0.00 | 0.10% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 28.99% | +3.92 | 25.08% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▂▁▂▃▄▆█ | Net Interest Margin (%) | 2.99% | 2.75% | 2.66% | 2.75% | 2.79% | 2.82% | 2.89% | 3.03% |
| ▃▁▃▄▅▆▇█ | Return on Assets (%) | 1.48% | 1.32% | 1.47% | 1.56% | 1.61% | 1.63% | 1.72% | 1.81% |
| ██▆▁▁▁▄▄ | Efficiency Ratio (%) | 50.2% | 52.1% | 44.5% | 31.4% | 30.5% | 30.4% | 39.8% | 39.4% |
| ▁▁▆█▇▃▃▁ | Cost of Funds (%) | 0.98% | 0.98% | 1.15% | 1.25% | 1.20% | 1.05% | 1.05% | 0.99% |
| ▁▁█▇████ | NPA / Assets (%) | 0.00% | 0.00% | 0.03% | 0.03% | 0.04% | 0.04% | 0.03% | 0.03% |
| ▁▁▇▇██▇▇ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.10% | 0.10% | 0.12% | 0.12% | 0.10% | 0.10% |
| ▂▁▂▅▇███ | Tang. Book Value ($M) | $11 | $10 | $11 | $12 | $13 | $13 | $13 | $13 |
| █▇▆▆▁▁▁▂ | Gross Loans ($M) | $50 | $49 | $49 | $48 | $45 | $45 | $44 | $45 |
| ▁█▂▃▂▂▁▁ | Total Deposits ($M) | $124 | $173 | $136 | $138 | $133 | $134 | $129 | $126 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 4% |
| Agricultural | 1% |
| Consumer | 5% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 41% |
| Interest-Bearing (core) | 50% |
| Brokered / Other | 9% |