Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.04% | +0.17 | 0.87% |
| Return on Equity (%) | ▲ | 9.61% | +0.47 | 9.14% |
| Net Interest Margin (%) | ▲ | 2.99% | +0.39 | 2.59% |
| Efficiency Ratio (%) | ▲ | 61.60% | -3.29 | 64.89% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.62 | $2 |
| Cost of Funds (%) | ▲ | 1.77% | -0.24 | 2.01% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $730 | +9.65 | $721 |
| Gross Loans ($M) | ▲ | $401 | +54.49 | $347 |
| Loan Growth YoY (%) | ▲ | 62.36% | +7.31 | 55.05% |
| Total Deposits ($M) | ▲ | $630 | +13.47 | $617 |
| Shareholders Equity ($M) | ▲ | $82 | +8.87 | $73 |
| Tang. Book Value ($M) | ▲ | $82 | +8.87 | $73 |
| TBV excl. AOCI ($M)** | ▲ | $95 | +7.00 | $88 |
| Loan / Deposit Ratio (%) | ▲ | 62.36% | +7.31 | 55.05% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.03% | +0.01 | 0.02% |
| Allowance / Loans (%) | — | 2.00% | -0.03% | 2.03% |
| Net Charge-Off Ratio (%) | ▼ | 0.06% | +0.02 | 0.04% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆██ | Net Interest Margin (%) | 2.26% | 2.27% | 2.53% | 2.59% | 2.67% | 2.73% | 2.93% | 2.99% |
| ▁▁▇▆▆▅▆█ | Return on Assets (%) | 0.50% | 0.54% | 0.96% | 0.87% | 0.87% | 0.83% | 0.87% | 1.04% |
| █▇▁▄▃▃▁▁ | Efficiency Ratio (%) | 69.3% | 67.9% | 61.9% | 64.9% | 64.0% | 63.8% | 61.7% | 61.6% |
| ██▄▄▃▂▁▁ | Cost of Funds (%) | 2.22% | 2.27% | 1.96% | 2.01% | 1.94% | 1.87% | 1.81% | 1.77% |
| ▁██▁▁▁▁▁ | NPA / Assets (%) | 0.03% | 0.26% | 0.26% | 0.02% | 0.02% | 0.02% | 0.03% | 0.03% |
| ▁██▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.07% | 0.56% | 0.56% | 0.04% | 0.03% | 0.03% | 0.06% | 0.06% |
| ▂▁▃▄▅▆▇█ | Tang. Book Value ($M) | $69 | $67 | $71 | $73 | $76 | $78 | $80 | $82 |
| ▁▁▁▁▃▆██ | Gross Loans ($M) | $349 | $352 | $345 | $347 | $365 | $384 | $395 | $401 |
| █▇▇▁▁▄█▅ | Total Deposits ($M) | $642 | $640 | $640 | $617 | $615 | $630 | $645 | $630 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 77% |
| C&I / Commercial | 19% |
| Agricultural | 1% |
| Consumer | 1% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 80% |
| Brokered / Other | 5% |