Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.53% | +0.32 | 1.21% |
| Return on Equity (%) | ▲ | 13.22% | +1.95 | 11.27% |
| Net Interest Margin (%) | ▲ | 3.97% | +0.35 | 3.62% |
| Efficiency Ratio (%) | ▲ | 49.38% | -5.25 | 54.63% |
| Pre-Provision Profit ($M) | ▲ | $5 | +1.02 | $4 |
| Cost of Funds (%) | ▲ | 1.45% | -0.20 | 1.65% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $893 | +13.71 | $879 |
| Gross Loans ($M) | ▲ | $672 | +20.81 | $651 |
| Loan Growth YoY (%) | ▲ | 92.89% | +0.13 | 92.76% |
| Total Deposits ($M) | ▲ | $714 | +20.79 | $693 |
| Shareholders Equity ($M) | ▲ | $106 | +9.29 | $97 |
| Tang. Book Value ($M) | ▲ | $96 | +9.46 | $87 |
| TBV excl. AOCI ($M)** | ▲ | $104 | +9.04 | $95 |
| Loan / Deposit Ratio (%) | ▲ | 92.89% | +0.13 | 92.76% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.10% | -0.01 | 0.11% |
| Allowance / Loans (%) | — | 1.31% | 0.05% | 1.26% |
| Net Charge-Off Ratio (%) | ▼ | 0.00% | +0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▅▅▅██ | Net Interest Margin (%) | 3.22% | 3.29% | 3.63% | 3.62% | 3.64% | 3.67% | 3.90% | 3.97% |
| ▁▁▃▃▃▃██ | Return on Assets (%) | 1.08% | 1.13% | 1.20% | 1.21% | 1.22% | 1.25% | 1.47% | 1.53% |
| ██▆▆▆▅▁▁ | Efficiency Ratio (%) | 57.7% | 57.2% | 54.8% | 54.6% | 54.9% | 54.1% | 50.0% | 49.4% |
| █▆▃▃▄▂▁▁ | Cost of Funds (%) | 2.00% | 1.82% | 1.63% | 1.65% | 1.70% | 1.58% | 1.45% | 1.45% |
| █▄▄▃▃▁▁▁ | NPA / Assets (%) | 0.13% | 0.11% | 0.11% | 0.11% | 0.11% | 0.10% | 0.10% | 0.10% |
| █▁▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $81 | $82 | $85 | $87 | $89 | $92 | $94 | $96 |
| ▅▆▁▄▅█▇▇ | Gross Loans ($M) | $658 | $664 | $632 | $651 | $655 | $678 | $667 | $672 |
| ▁▅▆▅▄▇█▇ | Total Deposits ($M) | $643 | $688 | $704 | $693 | $678 | $713 | $733 | $714 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 65% |
| C&I / Commercial | 9% |
| Agricultural | 23% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 9% |