Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.62% | +0.06 | 1.57% |
| Return on Equity (%) | ▼ | 17.79% | -0.38 | 18.17% |
| Net Interest Margin (%) | ▲ | 4.10% | +0.30 | 3.80% |
| Efficiency Ratio (%) | ▲ | 59.22% | -1.59 | 60.81% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.03 | $2 |
| Cost of Funds (%) | ▲ | 1.83% | -0.06 | 1.89% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $376 | +28.00 | $348 |
| Gross Loans ($M) | ▲ | $285 | +23.99 | $261 |
| Loan Growth YoY (%) | ▼ | 86.59% | -2.20 | 88.79% |
| Total Deposits ($M) | ▲ | $326 | +35.08 | $291 |
| Shareholders Equity ($M) | ▲ | $34 | +3.83 | $30 |
| Tang. Book Value ($M) | ▲ | $28 | +4.01 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +4.17 | $27 |
| Loan / Deposit Ratio (%) | ▼ | 86.59% | -2.20 | 88.79% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.99% | +0.60 | 0.40% |
| Allowance / Loans (%) | — | 0.87% | -0.07% | 0.95% |
| Net Charge-Off Ratio (%) | ▼ | 1.31% | +0.78 | 0.53% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▅▅▆▇█ | Net Interest Margin (%) | 3.45% | 3.48% | 3.83% | 3.80% | 3.83% | 3.87% | 4.00% | 4.10% |
| ▂▁▅▇▆▇██ | Return on Assets (%) | 1.35% | 1.28% | 1.49% | 1.57% | 1.51% | 1.58% | 1.63% | 1.62% |
| ▅█▇▃▂▁▁▁ | Efficiency Ratio (%) | 61.7% | 63.7% | 62.8% | 60.8% | 59.9% | 59.3% | 59.1% | 59.2% |
| ▅█▁▃▃▅▁▂ | Cost of Funds (%) | 2.00% | 2.17% | 1.82% | 1.89% | 1.92% | 2.00% | 1.78% | 1.83% |
| ▂▁▁▂▁▃▃█ | NPA / Assets (%) | 0.34% | 0.24% | 0.32% | 0.40% | 0.24% | 0.44% | 0.43% | 0.99% |
| ▂▁▁▂▁▃▃█ | Net Charge-Off Ratio (%) | 0.48% | 0.32% | 0.42% | 0.53% | 0.33% | 0.58% | 0.58% | 1.31% |
| ▂▁▃▂▇███ | Tang. Book Value ($M) | $23 | $22 | $24 | $24 | $26 | $28 | $28 | $28 |
| ▁▂▂▃▅▆▇█ | Gross Loans ($M) | $247 | $252 | $252 | $261 | $269 | $272 | $276 | $285 |
| ▃▁▁▂▆▅▇█ | Total Deposits ($M) | $293 | $283 | $280 | $291 | $309 | $308 | $320 | $326 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 88% |
| C&I / Commercial | 8% |
| Agricultural | 1% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 12% |