Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.64% | -0.05 | 1.69% |
| Return on Equity (%) | ▼ | 19.01% | -0.62 | 19.63% |
| Net Interest Margin (%) | ▲ | 4.65% | +0.09 | 4.56% |
| Efficiency Ratio (%) | ▼ | 59.34% | +1.56 | 57.78% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.07 | $1 |
| Cost of Funds (%) | ▲ | 1.66% | -0.29 | 1.94% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $206 | +11.28 | $195 |
| Gross Loans ($M) | ▲ | $145 | +2.11 | $143 |
| Loan Growth YoY (%) | ▼ | 76.20% | -3.48 | 79.68% |
| Total Deposits ($M) | ▲ | $188 | +10.49 | $177 |
| Shareholders Equity ($M) | ▲ | $17 | +0.66 | $17 |
| Tang. Book Value ($M) | ▲ | $17 | +0.66 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +0.84 | $18 |
| Loan / Deposit Ratio (%) | ▼ | 76.20% | -3.48 | 79.68% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.20% | +0.20 | 0.00% |
| Allowance / Loans (%) | — | 1.37% | 0.18% | 1.18% |
| Net Charge-Off Ratio (%) | ▼ | 0.29% | +0.28 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 11.32% | +0.24 | 11.08% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆▇▇███ | Net Interest Margin (%) | 3.97% | 4.13% | 4.51% | 4.56% | 4.60% | 4.70% | 4.63% | 4.65% |
| ▁▂▆▇▇█▅▆ | Return on Assets (%) | 1.06% | 1.23% | 1.63% | 1.69% | 1.73% | 1.83% | 1.50% | 1.64% |
| █▇▂▁▁▁▄▂ | Efficiency Ratio (%) | 70.5% | 67.3% | 59.2% | 57.8% | 57.4% | 56.3% | 62.5% | 59.3% |
| █▄▂▅▅▂▁▁ | Cost of Funds (%) | 2.16% | 1.86% | 1.76% | 1.94% | 1.95% | 1.75% | 1.65% | 1.66% |
| █▁▇▁▁▃▂▂ | NPA / Assets (%) | 0.90% | 0.02% | 0.68% | 0.00% | 0.01% | 0.25% | 0.18% | 0.20% |
| █▁▇▁▁▃▂▂ | Net Charge-Off Ratio (%) | 1.23% | 0.03% | 0.96% | 0.00% | 0.01% | 0.34% | 0.27% | 0.29% |
| ▁▂▅▅█▇█▇ | Tang. Book Value ($M) | $15 | $16 | $17 | $17 | $17 | $17 | $18 | $17 |
| ▁▃▅▇▆▆▆█ | Gross Loans ($M) | $129 | $135 | $137 | $143 | $140 | $141 | $140 | $145 |
| ▁▁▅▅▅▄█▇ | Total Deposits ($M) | $161 | $161 | $178 | $177 | $177 | $175 | $193 | $188 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 69% |
| C&I / Commercial | 8% |
| Agricultural | 15% |
| Consumer | 6% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 8% |