Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.19% | -0.17 | 1.36% |
| Return on Equity (%) | ▼ | 17.43% | -4.72 | 22.15% |
| Net Interest Margin (%) | ▲ | 4.90% | +0.04 | 4.86% |
| Efficiency Ratio (%) | ▼ | 70.65% | +4.43 | 66.21% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.06 | $1 |
| Cost of Funds (%) | ▲ | 1.41% | -0.18 | 1.59% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $155 | -3.12 | $158 |
| Gross Loans ($M) | ▲ | $106 | +5.97 | $100 |
| Loan Growth YoY (%) | ▲ | 73.02% | +5.83 | 67.19% |
| Total Deposits ($M) | ▼ | $144 | -3.79 | $148 |
| Shareholders Equity ($M) | ▲ | $11 | +0.80 | $10 |
| Tang. Book Value ($M) | ▲ | $10 | +0.83 | $9 |
| TBV excl. AOCI ($M)** | ▲ | $11 | +0.92 | $10 |
| Loan / Deposit Ratio (%) | ▲ | 73.02% | +5.83 | 67.19% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.76% | -0.13 | 0.89% |
| Allowance / Loans (%) | — | 1.04% | 0.06% | 0.97% |
| Net Charge-Off Ratio (%) | ▲ | 0.56% | -0.18 | 0.74% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 10.40% | -0.26 | 10.66% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▄▁█████ | Net Interest Margin (%) | 4.68% | 4.64% | 4.45% | 4.86% | 4.88% | 4.90% | 4.89% | 4.90% |
| ██▃▇██▁▅ | Return on Assets (%) | 1.47% | 1.40% | 0.99% | 1.36% | 1.40% | 1.43% | 0.79% | 1.19% |
| ▁▁▅▁▁▁█▄ | Efficiency Ratio (%) | 64.9% | 65.8% | 71.9% | 66.2% | 65.7% | 64.7% | 78.1% | 70.6% |
| ▇█▆▅▄▃▁▁ | Cost of Funds (%) | 1.68% | 1.76% | 1.65% | 1.59% | 1.57% | 1.50% | 1.40% | 1.41% |
| ███▂▂▁▂▁ | NPA / Assets (%) | 2.36% | 2.28% | 2.47% | 0.89% | 0.79% | 0.52% | 0.80% | 0.76% |
| ███▂▁▁▂▁ | Net Charge-Off Ratio (%) | 3.06% | 2.82% | 3.13% | 0.74% | 0.58% | 0.25% | 0.68% | 0.56% |
| ▂▁▂▄██▇█ | Tang. Book Value ($M) | $9 | $8 | $9 | $9 | $10 | $10 | $10 | $10 |
| ▁▄▄▄▄▄▅█ | Gross Loans ($M) | $95 | $100 | $101 | $100 | $100 | $100 | $101 | $106 |
| ▁▂▄█▆▄▆▄ | Total Deposits ($M) | $141 | $143 | $144 | $148 | $146 | $144 | $146 | $144 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 63% |
| C&I / Commercial | 15% |
| Agricultural | 3% |
| Consumer | 15% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 8% |