Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.65% | +0.16 | 0.49% |
| Return on Equity (%) | ▲ | 5.55% | +1.08 | 4.47% |
| Net Interest Margin (%) | ▲ | 4.00% | +0.43 | 3.57% |
| Efficiency Ratio (%) | ▲ | 73.07% | -2.53 | 75.60% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.47 | $1 |
| Cost of Funds (%) | ▲ | 2.37% | -0.43 | 2.80% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $624 | +4.02 | $620 |
| Gross Loans ($M) | ▲ | $573 | +11.93 | $561 |
| Loan Growth YoY (%) | ▼ | 115.10% | -3.99 | 119.09% |
| Total Deposits ($M) | ▲ | $491 | +25.70 | $466 |
| Shareholders Equity ($M) | ▲ | $73 | +4.35 | $69 |
| Tang. Book Value ($M) | ▲ | $65 | +4.35 | $61 |
| Loan / Deposit Ratio (%) | ▼ | 115.10% | -3.99 | 119.09% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.87% | +0.49 | 0.38% |
| Allowance / Loans (%) | — | 1.25% | 0.14% | 1.11% |
| Net Charge-Off Ratio (%) | ▼ | 0.78% | +0.36 | 0.42% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▅▆▆▇█ | Net Interest Margin (%) | 2.86% | 2.92% | 3.52% | 3.57% | 3.69% | 3.70% | 3.84% | 4.00% |
| ▅▁▇▇██▇█ | Return on Assets (%) | 0.33% | -0.09% | 0.53% | 0.49% | 0.60% | 0.61% | 0.56% | 0.65% |
| ██▃▃▁▁▂▁ | Efficiency Ratio (%) | 82.8% | 82.3% | 76.4% | 75.6% | 72.8% | 73.1% | 75.1% | 73.1% |
| █▅▄▄▅▃▁▁ | Cost of Funds (%) | 3.29% | 2.90% | 2.73% | 2.80% | 2.89% | 2.72% | 2.44% | 2.37% |
| ▁▄▄▂▂█▆▆ | NPA / Assets (%) | 0.20% | 0.58% | 0.59% | 0.38% | 0.42% | 1.22% | 0.88% | 0.87% |
| ▁▄▄▂▃█▅▅ | Net Charge-Off Ratio (%) | 0.22% | 0.65% | 0.64% | 0.42% | 0.46% | 1.14% | 0.78% | 0.78% |
| ▁▁▂▅▆▇██ | Tang. Book Value ($M) | $55 | $56 | $57 | $61 | $62 | $63 | $64 | $65 |
| ▁▁▆▇█▆▇█ | Gross Loans ($M) | $515 | $515 | $558 | $561 | $567 | $555 | $560 | $573 |
| ▂▁▁▄▄▅▇█ | Total Deposits ($M) | $453 | $450 | $444 | $466 | $467 | $472 | $483 | $491 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 21% |
| Agricultural | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 10% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 30% |