Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.75% | +0.24 | 0.51% |
| Return on Equity (%) | ▲ | 6.45% | +1.94 | 4.51% |
| Net Interest Margin (%) | ▲ | 3.18% | +0.31 | 2.87% |
| Efficiency Ratio (%) | ▲ | 63.97% | -2.75 | 66.72% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.02 | $1 |
| Cost of Funds (%) | ▲ | 2.09% | -0.16 | 2.25% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $215 | +14.32 | $201 |
| Gross Loans ($M) | ▲ | $174 | +18.22 | $156 |
| Loan Growth YoY (%) | ▲ | 99.00% | +3.21 | 95.79% |
| Total Deposits ($M) | ▲ | $174 | +13.04 | $161 |
| Shareholders Equity ($M) | ▲ | $26 | +2.80 | $23 |
| Tang. Book Value ($M) | ▲ | $26 | +2.80 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +2.64 | $25 |
| Loan / Deposit Ratio (%) | ▲ | 99.00% | +3.21 | 95.79% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.82% | +1.38 | 1.44% |
| Allowance / Loans (%) | — | 1.35% | -0.06% | 1.42% |
| Net Charge-Off Ratio (%) | ▼ | 3.48% | +1.62 | 1.85% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▆▆▇██ | Net Interest Margin (%) | 2.18% | 2.27% | 2.73% | 2.87% | 2.93% | 3.03% | 3.22% | 3.18% |
| ▁▂▁▄▆▆█▇ | Return on Assets (%) | 0.25% | 0.36% | 0.27% | 0.51% | 0.67% | 0.74% | 0.91% | 0.75% |
| █▇▃▃▂▂▁▂ | Efficiency Ratio (%) | 82.8% | 79.3% | 67.7% | 66.7% | 64.2% | 62.8% | 59.6% | 64.0% |
| █▇▃▃▃▂▁▁ | Cost of Funds (%) | 2.69% | 2.58% | 2.23% | 2.25% | 2.22% | 2.19% | 2.05% | 2.09% |
| ▁▁▄▄▆▃▆█ | NPA / Assets (%) | 0.24% | 0.26% | 1.48% | 1.44% | 2.03% | 1.12% | 2.11% | 2.82% |
| ▁▁▅▄▆▃▆█ | Net Charge-Off Ratio (%) | 0.32% | 0.34% | 1.91% | 1.85% | 2.61% | 1.42% | 2.66% | 3.48% |
| ▁▁▁▂▄▆▇█ | Tang. Book Value ($M) | $22 | $22 | $22 | $23 | $24 | $25 | $25 | $26 |
| ▁▂▂▃▄▆██ | Gross Loans ($M) | $149 | $153 | $154 | $156 | $160 | $168 | $171 | $174 |
| ▅▆▁▁▁▅▂█ | Total Deposits ($M) | $168 | $169 | $161 | $161 | $159 | $167 | $162 | $174 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 75% |
| C&I / Commercial | 13% |
| Agricultural | 10% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 19% |