Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | -0.26% | +0.24 | -0.50% |
| Return on Equity (%) | ▲ | -2.63% | +2.77 | -5.40% |
| Net Interest Margin (%) | ▼ | 3.88% | -0.17 | 4.05% |
| Efficiency Ratio (%) | ▼ | 80.73% | +10.33 | 70.40% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.48 | $2 |
| Cost of Funds (%) | ▲ | 2.30% | -0.39 | 2.69% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $649 | +29.33 | $619 |
| Gross Loans ($M) | ▼ | $475 | -27.21 | $502 |
| Loan Growth YoY (%) | ▼ | 80.96% | -9.18 | 90.15% |
| Total Deposits ($M) | ▲ | $572 | +27.13 | $545 |
| Shareholders Equity ($M) | ▲ | $63 | +2.43 | $61 |
| Tang. Book Value ($M) | ▲ | $59 | +3.35 | $56 |
| Loan / Deposit Ratio (%) | ▼ | 80.96% | -9.18 | 90.15% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.98% | +1.32 | 1.67% |
| Allowance / Loans (%) | — | 2.51% | 0.31% | 2.20% |
| Net Charge-Off Ratio (%) | ▼ | 3.83% | +1.82 | 2.01% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▂▃▄▄▁▁ | Net Interest Margin (%) | 4.55% | 4.54% | 4.00% | 4.05% | 4.18% | 4.11% | 3.84% | 3.88% |
| █▇▁▄▅▆▇▅ | Return on Assets (%) | 0.76% | 0.29% | -1.52% | -0.50% | -0.19% | 0.08% | 0.44% | -0.26% |
| ▁▁▁▂▄▅██ | Efficiency Ratio (%) | 67.8% | 67.4% | 68.0% | 70.4% | 73.2% | 75.5% | 81.8% | 80.7% |
| █▆▂▆▅▁▁▁ | Cost of Funds (%) | 2.91% | 2.73% | 2.33% | 2.69% | 2.61% | 2.22% | 2.30% | 2.30% |
| ▁▂▃▄▄▆▇█ | NPA / Assets (%) | 0.68% | 1.26% | 1.54% | 1.67% | 1.82% | 2.25% | 2.43% | 2.98% |
| ▁▂▄▄▄▆▆█ | Net Charge-Off Ratio (%) | 0.83% | 1.56% | 2.17% | 2.01% | 2.10% | 2.86% | 2.96% | 3.83% |
| ▂▁▃▄▅▇██ | Tang. Book Value ($M) | $55 | $53 | $55 | $56 | $57 | $59 | $60 | $59 |
| ▁▆▆█▅▆▃▃ | Gross Loans ($M) | $460 | $487 | $488 | $502 | $481 | $488 | $474 | $475 |
| ▁▄█▄▁▆▅▆ | Total Deposits ($M) | $496 | $542 | $617 | $545 | $510 | $585 | $557 | $572 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 13% |
| Agricultural | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 79% |
| Brokered / Other | 4% |