Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.20% | +0.07 | 1.13% |
| Return on Equity (%) | ▲ | 11.46% | +0.12 | 11.34% |
| Net Interest Margin (%) | ▲ | 4.40% | +0.29 | 4.12% |
| Efficiency Ratio (%) | ▲ | 64.93% | -3.73 | 68.65% |
| Pre-Provision Profit ($M) | ▼ | $4 | -0.27 | $4 |
| Cost of Funds (%) | ▲ | 2.02% | -0.13 | 2.15% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $954 | +53.10 | $901 |
| Gross Loans ($M) | ▲ | $699 | +33.97 | $665 |
| Loan Growth YoY (%) | ▲ | 83.93% | +0.02 | 83.91% |
| Total Deposits ($M) | ▲ | $824 | +39.03 | $785 |
| Shareholders Equity ($M) | ▲ | $101 | +15.17 | $86 |
| Tang. Book Value ($M) | ▲ | $101 | +15.17 | $86 |
| TBV excl. AOCI ($M)** | ▲ | $109 | +15.82 | $93 |
| Loan / Deposit Ratio (%) | ▲ | 83.93% | +0.02 | 83.91% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.35% | -0.08 | 0.43% |
| Allowance / Loans (%) | — | 1.10% | 0.10% | 1.01% |
| Net Charge-Off Ratio (%) | ▼ | 0.46% | +0.34 | 0.12% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▃▅▆▇▇█ | Net Interest Margin (%) | 3.82% | 3.90% | 4.00% | 4.12% | 4.21% | 4.28% | 4.29% | 4.40% |
| █▇▁▆▆▇██ | Return on Assets (%) | 1.23% | 1.17% | 0.90% | 1.13% | 1.14% | 1.15% | 1.20% | 1.20% |
| ▅▅█▄▅▅▁▂ | Efficiency Ratio (%) | 69.1% | 69.6% | 74.8% | 68.7% | 70.2% | 70.3% | 63.0% | 64.9% |
| ██▅▃▅▃▂▁ | Cost of Funds (%) | 2.49% | 2.49% | 2.29% | 2.15% | 2.27% | 2.18% | 2.09% | 2.02% |
| ▁▁█▂▁▁▁▁ | NPA / Assets (%) | 0.11% | 0.17% | 2.16% | 0.43% | 0.20% | 0.21% | 0.28% | 0.35% |
| ▁▁█▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.15% | 0.21% | 2.84% | 0.12% | 0.22% | 0.28% | 0.36% | 0.46% |
| ▁▁▁▁▄▆██ | Tang. Book Value ($M) | $87 | $86 | $88 | $86 | $92 | $96 | $100 | $101 |
| ▁▃▂▄▅█▇█ | Gross Loans ($M) | $641 | $658 | $653 | $665 | $673 | $692 | $685 | $699 |
| ▂▁▁▅▇▇██ | Total Deposits ($M) | $748 | $729 | $740 | $785 | $809 | $810 | $825 | $824 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 5% |
| Agricultural | 1% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 9% |