Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.36% | +0.06 | 1.30% |
| Return on Equity (%) | ▼ | 9.70% | -1.20 | 10.90% |
| Net Interest Margin (%) | ▲ | 3.11% | +0.28 | 2.83% |
| Efficiency Ratio (%) | ▼ | 55.59% | +2.50 | 53.09% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.00 | $0 |
| Cost of Funds (%) | ▲ | 2.01% | -0.37 | 2.38% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $109 | -10.00 | $119 |
| Gross Loans ($M) | ▼ | $66 | -10.67 | $77 |
| Loan Growth YoY (%) | ▼ | 75.42% | -5.16 | 80.58% |
| Total Deposits ($M) | ▼ | $86 | -7.71 | $94 |
| Shareholders Equity ($M) | ▲ | $16 | +2.30 | $14 |
| Tang. Book Value ($M) | ▲ | $16 | +2.30 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +2.41 | $16 |
| Loan / Deposit Ratio (%) | ▼ | 75.42% | -5.16 | 80.58% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.62% | +0.34 | 0.28% |
| Allowance / Loans (%) | — | 1.71% | 0.24% | 1.47% |
| Net Charge-Off Ratio (%) | ▼ | 0.89% | +0.45 | 0.44% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▄▆█ | Net Interest Margin (%) | 2.71% | 2.67% | 2.77% | 2.83% | 2.84% | 2.86% | 2.94% | 3.11% |
| ▅▃▄▅▄▂▁█ | Return on Assets (%) | 1.29% | 1.24% | 1.26% | 1.30% | 1.26% | 1.23% | 1.19% | 1.36% |
| ▂▄▁▁▃▇██ | Efficiency Ratio (%) | 53.5% | 54.5% | 53.1% | 53.1% | 54.1% | 55.3% | 55.9% | 55.6% |
| ██▆▅█▃▁▁ | Cost of Funds (%) | 2.61% | 2.69% | 2.51% | 2.38% | 2.64% | 2.26% | 2.06% | 2.01% |
| ▁▁▃▂▂▁██ | NPA / Assets (%) | 0.25% | 0.23% | 0.34% | 0.28% | 0.28% | 0.20% | 0.61% | 0.62% |
| ▁▁▃▂▂▁██ | Net Charge-Off Ratio (%) | 0.40% | 0.36% | 0.53% | 0.44% | 0.45% | 0.34% | 0.95% | 0.89% |
| ▄▁▂▁▄▇██ | Tang. Book Value ($M) | $15 | $14 | $14 | $14 | $15 | $16 | $16 | $16 |
| ▆███▅▅▁▂ | Gross Loans ($M) | $72 | $76 | $76 | $77 | $71 | $70 | $63 | $66 |
| ▂█▅▅▄█▄▁ | Total Deposits ($M) | $89 | $99 | $93 | $94 | $91 | $99 | $93 | $86 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 48% |
| C&I / Commercial | 18% |
| Agricultural | 33% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 13% |
| Interest-Bearing (core) | 59% |
| Brokered / Other | 28% |