Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.53% | +0.24 | 1.29% |
| Return on Equity (%) | ▲ | 13.15% | +1.08 | 12.07% |
| Net Interest Margin (%) | ▲ | 3.71% | +0.44 | 3.27% |
| Efficiency Ratio (%) | ▼ | 54.50% | +0.24 | 54.26% |
| Pre-Provision Profit ($M) | ▲ | $4 | +0.40 | $3 |
| Cost of Funds (%) | ▲ | 1.90% | -0.43 | 2.33% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $812 | +36.12 | $776 |
| Gross Loans ($M) | ▲ | $643 | +25.77 | $617 |
| Loan Growth YoY (%) | ▼ | 90.69% | -0.07 | 90.76% |
| Total Deposits ($M) | ▲ | $699 | +28.20 | $671 |
| Shareholders Equity ($M) | ▲ | $96 | +10.82 | $85 |
| Tang. Book Value ($M) | ▲ | $83 | +10.90 | $72 |
| TBV excl. AOCI ($M)** | ▲ | $89 | +10.92 | $78 |
| Loan / Deposit Ratio (%) | ▼ | 90.69% | -0.07 | 90.76% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.56% | -0.03 | 0.59% |
| Allowance / Loans (%) | — | 1.40% | 0.05% | 1.34% |
| Net Charge-Off Ratio (%) | ▲ | 0.65% | -0.07 | 0.71% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▄▅██ | Net Interest Margin (%) | 2.93% | 2.98% | 3.13% | 3.27% | 3.32% | 3.36% | 3.63% | 3.71% |
| ▁▁▃▅▆▅▇█ | Return on Assets (%) | 0.92% | 0.92% | 1.12% | 1.29% | 1.30% | 1.25% | 1.43% | 1.53% |
| ██▃▁▁▂▁▁ | Efficiency Ratio (%) | 63.0% | 62.5% | 56.6% | 54.3% | 55.0% | 56.1% | 55.2% | 54.5% |
| ██▅▆▄▃▁▁ | Cost of Funds (%) | 2.57% | 2.52% | 2.31% | 2.33% | 2.22% | 2.07% | 1.90% | 1.90% |
| ▄▁▂█▅█▃▇ | NPA / Assets (%) | 0.32% | 0.13% | 0.24% | 0.59% | 0.41% | 0.64% | 0.32% | 0.56% |
| ▄▁▂▇▅█▃▆ | Net Charge-Off Ratio (%) | 0.42% | 0.16% | 0.31% | 0.71% | 0.54% | 0.82% | 0.35% | 0.65% |
| ▃▁▂▂▆▇██ | Tang. Book Value ($M) | $73 | $69 | $71 | $72 | $78 | $80 | $82 | $83 |
| ▁▂▄▅▄▇██ | Gross Loans ($M) | $591 | $603 | $616 | $617 | $614 | $635 | $642 | $643 |
| ▁▄█▄▇██▇ | Total Deposits ($M) | $632 | $670 | $707 | $671 | $703 | $712 | $715 | $699 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 67% |
| C&I / Commercial | 9% |
| Agricultural | 20% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 9% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 13% |