Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.37% | +0.62 | 0.76% |
| Return on Equity (%) | ▲ | 17.28% | +5.09 | 12.19% |
| Net Interest Margin (%) | ▲ | 3.32% | +0.63 | 2.69% |
| Efficiency Ratio (%) | ▲ | 58.91% | -14.18 | 73.09% |
| Pre-Provision Profit ($M) | ▲ | $3 | +1.13 | $2 |
| Cost of Funds (%) | ▲ | 1.96% | -0.25 | 2.21% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $788 | +47.84 | $741 |
| Gross Loans ($M) | ▲ | $529 | +56.32 | $473 |
| Loan Growth YoY (%) | ▲ | 79.14% | +3.19 | 75.94% |
| Total Deposits ($M) | ▲ | $664 | +46.68 | $617 |
| Shareholders Equity ($M) | ▲ | $64 | +17.29 | $47 |
| Tang. Book Value ($M) | ▲ | $64 | +17.29 | $47 |
| TBV excl. AOCI ($M)** | ▲ | $75 | +16.30 | $59 |
| Loan / Deposit Ratio (%) | ▲ | 79.14% | +3.19 | 75.94% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.18% | -0.24 | 0.42% |
| Allowance / Loans (%) | — | 0.82% | -0.17% | 0.99% |
| Net Charge-Off Ratio (%) | ▲ | 0.26% | -0.39 | 0.66% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 14.06% | -0.11 | 14.17% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆██ | Net Interest Margin (%) | 2.12% | 2.18% | 2.48% | 2.69% | 2.81% | 2.91% | 3.27% | 3.32% |
| ▁▁▂▃▄▆▇█ | Return on Assets (%) | 0.39% | 0.48% | 0.54% | 0.76% | 0.87% | 1.06% | 1.25% | 1.37% |
| █▇█▆▅▃▁▁ | Efficiency Ratio (%) | 80.9% | 78.0% | 78.9% | 73.1% | 69.9% | 66.3% | 61.6% | 58.9% |
| █▇▅▃▃▁▁▁ | Cost of Funds (%) | 2.75% | 2.58% | 2.39% | 2.21% | 2.19% | 2.06% | 1.99% | 1.96% |
| ▆▅███▃▁▁ | NPA / Assets (%) | 0.36% | 0.33% | 0.40% | 0.42% | 0.42% | 0.24% | 0.18% | 0.18% |
| ▇▆███▃▁▁ | Net Charge-Off Ratio (%) | 0.59% | 0.55% | 0.66% | 0.66% | 0.65% | 0.38% | 0.27% | 0.26% |
| ▂▁▁▁▅▆▇█ | Tang. Book Value ($M) | $50 | $46 | $48 | $47 | $55 | $59 | $60 | $64 |
| ▃▂▁▂▃▄▆█ | Gross Loans ($M) | $479 | $469 | $460 | $473 | $486 | $492 | $512 | $529 |
| ▆▇▃▂▁▄▅█ | Total Deposits ($M) | $650 | $655 | $622 | $617 | $609 | $636 | $638 | $664 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 60% |
| C&I / Commercial | 21% |
| Agricultural | 18% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 9% |