Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.58% | +0.14 | 2.45% |
| Return on Equity (%) | ▲ | 14.60% | +0.40 | 14.20% |
| Net Interest Margin (%) | ▲ | 4.72% | +0.11 | 4.61% |
| Efficiency Ratio (%) | ▲ | 47.11% | -2.05 | 49.16% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.10 | $1 |
| Cost of Funds (%) | ▲ | 1.36% | -0.11 | 1.47% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $225 | +15.97 | $209 |
| Gross Loans ($M) | ▼ | $125 | -1.47 | $126 |
| Loan Growth YoY (%) | ▼ | 66.57% | -5.82 | 72.39% |
| Total Deposits ($M) | ▲ | $185 | +12.90 | $172 |
| Shareholders Equity ($M) | ▲ | $39 | +3.06 | $36 |
| Tang. Book Value ($M) | ▲ | $39 | +3.06 | $36 |
| TBV excl. AOCI ($M)** | ▲ | $42 | +3.52 | $38 |
| Loan / Deposit Ratio (%) | ▼ | 66.57% | -5.82 | 72.39% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.12% | +0.63 | 0.49% |
| Allowance / Loans (%) | — | 1.39% | -0.03% | 1.42% |
| Net Charge-Off Ratio (%) | ▼ | 2.01% | +1.21 | 0.80% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▁▁▂▃▃▃ | Net Interest Margin (%) | 5.16% | 5.08% | 4.55% | 4.61% | 4.69% | 4.75% | 4.74% | 4.72% |
| ██▁▃▃▂▄▅ | Return on Assets (%) | 2.88% | 2.82% | 2.26% | 2.45% | 2.46% | 2.41% | 2.52% | 2.58% |
| ▁▁█▅▅▄▄▃ | Efficiency Ratio (%) | 44.9% | 45.5% | 52.6% | 49.2% | 49.7% | 48.4% | 48.6% | 47.1% |
| ██▅███▁▂ | Cost of Funds (%) | 1.47% | 1.47% | 1.41% | 1.47% | 1.47% | 1.48% | 1.33% | 1.36% |
| ▁▁▁▃▃▂▁█ | NPA / Assets (%) | 0.30% | 0.27% | 0.29% | 0.49% | 0.44% | 0.32% | 0.18% | 1.12% |
| ▁▁▁▃▂▁▁█ | Net Charge-Off Ratio (%) | 0.49% | 0.44% | 0.51% | 0.80% | 0.74% | 0.53% | 0.33% | 2.01% |
| ▁▁▂▂▅███ | Tang. Book Value ($M) | $35 | $35 | $36 | $36 | $37 | $39 | $39 | $39 |
| ▆▄▁███▅▆ | Gross Loans ($M) | $124 | $123 | $119 | $126 | $127 | $127 | $123 | $125 |
| ▁▁▃▃▅▄▇█ | Total Deposits ($M) | $166 | $165 | $172 | $172 | $175 | $173 | $181 | $185 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 54% |
| C&I / Commercial | 21% |
| Agricultural | 17% |
| Consumer | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 10% |