Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.48% | +0.03 | 1.44% |
| Return on Equity (%) | ▼ | 14.60% | -0.14 | 14.74% |
| Net Interest Margin (%) | ▲ | 3.81% | +0.10 | 3.71% |
| Efficiency Ratio (%) | ▲ | 57.62% | -2.27 | 59.89% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.09 | $0 |
| Cost of Funds (%) | ▲ | 1.70% | -0.12 | 1.81% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $132 | +10.43 | $122 |
| Gross Loans ($M) | ▲ | $89 | +10.77 | $79 |
| Loan Growth YoY (%) | ▲ | 76.39% | +1.85 | 74.53% |
| Total Deposits ($M) | ▲ | $115 | +11.31 | $104 |
| Shareholders Equity ($M) | ▲ | $13 | +1.21 | $12 |
| Tang. Book Value ($M) | ▲ | $13 | +1.21 | $12 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +1.38 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 76.39% | +1.85 | 74.53% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.46% | 0.06% | 1.41% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▇▇▇▇██ | Net Interest Margin (%) | 3.36% | 3.41% | 3.71% | 3.71% | 3.71% | 3.72% | 3.77% | 3.81% |
| ▂▁█▆▆▃█▇ | Return on Assets (%) | 1.14% | 1.03% | 1.61% | 1.44% | 1.45% | 1.25% | 1.62% | 1.48% |
| ▇█▂▂▂▅▁▁ | Efficiency Ratio (%) | 66.1% | 68.3% | 59.2% | 59.9% | 59.8% | 63.1% | 58.2% | 57.6% |
| ███▄▅▄▁▁ | Cost of Funds (%) | 1.95% | 1.95% | 1.94% | 1.81% | 1.85% | 1.80% | 1.70% | 1.70% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▂▁▃▄▆▇██ | Tang. Book Value ($M) | $11 | $11 | $12 | $12 | $13 | $13 | $13 | $13 |
| ▁▄▅▃▂▆▇█ | Gross Loans ($M) | $73 | $80 | $82 | $79 | $77 | $84 | $86 | $89 |
| ▁▁▂▃▃▅██ | Total Deposits ($M) | $97 | $99 | $101 | $104 | $104 | $107 | $114 | $115 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 35% |
| C&I / Commercial | 21% |
| Agricultural | 39% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 20% |