Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.18% | +0.29 | 1.89% |
| Return on Equity (%) | ▲ | 19.85% | +2.12 | 17.73% |
| Net Interest Margin (%) | ▲ | 3.64% | +0.26 | 3.38% |
| Efficiency Ratio (%) | ▲ | 37.18% | -3.09 | 40.27% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.12 | $1 |
| Cost of Funds (%) | ▲ | 2.03% | -0.31 | 2.34% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $134 | +8.16 | $126 |
| Gross Loans ($M) | ▲ | $100 | +5.09 | $94 |
| Loan Growth YoY (%) | ▼ | 83.03% | -0.33 | 83.36% |
| Total Deposits ($M) | ▲ | $118 | +6.93 | $111 |
| Shareholders Equity ($M) | ▲ | $15 | +1.27 | $14 |
| Tang. Book Value ($M) | ▲ | $15 | +1.27 | $14 |
| Loan / Deposit Ratio (%) | ▼ | 83.03% | -0.33 | 83.36% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.02% | +0.02 | 0.01% |
| Allowance / Loans (%) | — | 1.24% | -0.39% | 1.63% |
| Net Charge-Off Ratio (%) | ▼ | 0.03% | +0.03 | 0.01% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▅▁▂▄▅██ | Net Interest Margin (%) | 3.48% | 3.48% | 3.30% | 3.38% | 3.44% | 3.47% | 3.62% | 3.64% |
| ▅▁▅▅▆▃██ | Return on Assets (%) | 1.90% | 1.44% | 1.89% | 1.89% | 1.96% | 1.65% | 2.16% | 2.18% |
| ▂█▂▂▂█▁▁ | Efficiency Ratio (%) | 39.3% | 52.6% | 39.2% | 40.3% | 38.9% | 54.2% | 36.3% | 37.2% |
| ▆▄▆█▅▆▁▁ | Cost of Funds (%) | 2.25% | 2.19% | 2.24% | 2.34% | 2.22% | 2.26% | 2.05% | 2.03% |
| ▂▂▁▂▂▂▃█ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0.01% | 0.02% |
| ▂▁▁▂▂▂▃█ | Net Charge-Off Ratio (%) | 0.01% | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | 0.03% |
| ▁▁▁▃▅▅▇█ | Tang. Book Value ($M) | $13 | $13 | $13 | $14 | $14 | $14 | $15 | $15 |
| ▁▆▃▄▄█▆█ | Gross Loans ($M) | $91 | $97 | $93 | $94 | $95 | $99 | $97 | $100 |
| ▁▅▅▅▇▇██ | Total Deposits ($M) | $103 | $111 | $112 | $111 | $116 | $116 | $117 | $118 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 59% |
| C&I / Commercial | 11% |
| Agricultural | 25% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 15% |