Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.62% | +0.17 | 1.45% |
| Return on Equity (%) | ▼ | 16.74% | -0.91 | 17.65% |
| Net Interest Margin (%) | ▲ | 3.44% | +0.35 | 3.08% |
| Efficiency Ratio (%) | ▲ | 49.29% | -2.18 | 51.47% |
| Pre-Provision Profit ($M) | ▲ | $24 | +3.55 | $21 |
| Cost of Funds (%) | ▲ | 1.53% | -0.31 | 1.84% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $5,350 | -118.15 | $5,468 |
| Gross Loans ($M) | ▼ | $3,541 | -30.19 | $3,571 |
| Loan Growth YoY (%) | ▼ | 74.13% | -2.24 | 76.36% |
| Total Deposits ($M) | ▲ | $4,722 | +99.89 | $4,622 |
| Shareholders Equity ($M) | ▲ | $502 | +48.42 | $454 |
| Tang. Book Value ($M) | ▲ | $418 | +55.24 | $363 |
| TBV excl. AOCI ($M)** | ▲ | $489 | +54.10 | $435 |
| Loan / Deposit Ratio (%) | ▼ | 74.13% | -2.24 | 76.36% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.55% | +0.06 | 0.48% |
| Allowance / Loans (%) | — | 1.14% | -0.01% | 1.16% |
| Net Charge-Off Ratio (%) | ▼ | 0.81% | +0.19 | 0.62% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.59% | +0.66 | 12.93% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▅██ | Net Interest Margin (%) | 2.90% | 2.94% | 3.03% | 3.08% | 3.15% | 3.22% | 3.40% | 3.44% |
| ▁▁▂▃▄▅█▇ | Return on Assets (%) | 1.37% | 1.32% | 1.38% | 1.45% | 1.49% | 1.54% | 1.69% | 1.62% |
| ▇██▆▅▄▂▁ | Efficiency Ratio (%) | 51.9% | 52.6% | 52.5% | 51.5% | 51.3% | 50.5% | 49.9% | 49.3% |
| ██▆▆▅▂▁▁ | Cost of Funds (%) | 2.01% | 1.96% | 1.85% | 1.84% | 1.81% | 1.64% | 1.56% | 1.53% |
| █▆▄▃▄▂▁▆ | NPA / Assets (%) | 0.61% | 0.54% | 0.52% | 0.48% | 0.50% | 0.46% | 0.43% | 0.55% |
| █▄▃▁▂▃▁█ | Net Charge-Off Ratio (%) | 0.82% | 0.71% | 0.68% | 0.62% | 0.65% | 0.68% | 0.62% | 0.81% |
| ▃▁▄▃▇█▇▇ | Tang. Book Value ($M) | $364 | $325 | $372 | $363 | $417 | $444 | $429 | $418 |
| ▄█▃▆▆▆▁▄ | Gross Loans ($M) | $3,544 | $3,605 | $3,532 | $3,571 | $3,564 | $3,573 | $3,490 | $3,541 |
| ▆▁▁▅▄▇▃█ | Total Deposits ($M) | $4,655 | $4,503 | $4,505 | $4,622 | $4,612 | $4,676 | $4,558 | $4,722 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 15% |
| Agricultural | 4% |
| Consumer | 2% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 15% |