Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.23% | +0.30 | 1.93% |
| Return on Equity (%) | ▲ | 20.06% | +1.73 | 18.33% |
| Net Interest Margin (%) | ▲ | 5.21% | +0.47 | 4.74% |
| Efficiency Ratio (%) | ▲ | 43.80% | -3.41 | 47.21% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.26 | $2 |
| Cost of Funds (%) | ▲ | 1.03% | -0.18 | 1.21% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $247 | +14.25 | $233 |
| Gross Loans ($M) | ▲ | $204 | +26.36 | $178 |
| Loan Growth YoY (%) | ▲ | 93.29% | +7.60 | 85.69% |
| Total Deposits ($M) | ▲ | $216 | +11.23 | $205 |
| Shareholders Equity ($M) | ▲ | $28 | +2.92 | $25 |
| Tang. Book Value ($M) | ▲ | $28 | +2.92 | $25 |
| Loan / Deposit Ratio (%) | ▲ | 93.29% | +7.60 | 85.69% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.74% | -0.08 | 0.82% |
| Allowance / Loans (%) | — | 1.30% | -0.02% | 1.32% |
| Net Charge-Off Ratio (%) | ▲ | 0.90% | -0.18 | 1.08% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▆▇█ | Net Interest Margin (%) | 4.18% | 4.24% | 4.58% | 4.74% | 4.85% | 4.93% | 5.08% | 5.21% |
| ▁▁▅▆▇▇▇█ | Return on Assets (%) | 1.38% | 1.43% | 1.91% | 1.93% | 2.05% | 2.04% | 2.10% | 2.23% |
| ██▅▄▂▂▁▁ | Efficiency Ratio (%) | 52.2% | 51.9% | 48.1% | 47.2% | 45.8% | 45.5% | 44.4% | 43.8% |
| ██▅▅▄▃▃▁ | Cost of Funds (%) | 1.37% | 1.38% | 1.23% | 1.21% | 1.18% | 1.16% | 1.13% | 1.03% |
| ▁▇█▆▆▁▃▃ | NPA / Assets (%) | 0.68% | 0.84% | 0.90% | 0.82% | 0.84% | 0.68% | 0.74% | 0.74% |
| ▁▇█▅▆▁▂▁ | Net Charge-Off Ratio (%) | 0.89% | 1.13% | 1.21% | 1.08% | 1.08% | 0.86% | 0.91% | 0.90% |
| ▁▁▂▃▅▅▇█ | Tang. Book Value ($M) | $23 | $24 | $24 | $25 | $26 | $26 | $27 | $28 |
| ▁▁▁▃▄▆▇█ | Gross Loans ($M) | $170 | $169 | $172 | $178 | $185 | $192 | $199 | $204 |
| ▁▃▄▅▆███ | Total Deposits ($M) | $191 | $198 | $204 | $205 | $209 | $214 | $213 | $216 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 79% |
| C&I / Commercial | 8% |
| Agricultural | 5% |
| Consumer | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 33% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 8% |