Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.37% | +0.24 | 1.13% |
| Return on Equity (%) | ▲ | 13.68% | +2.32 | 11.36% |
| Net Interest Margin (%) | ▲ | 4.09% | +0.02 | 4.07% |
| Efficiency Ratio (%) | ▲ | 53.97% | -6.76 | 60.73% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.49 | $1 |
| Cost of Funds (%) | ▲ | 2.07% | -0.16 | 2.23% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $312 | +38.14 | $274 |
| Gross Loans ($M) | ▲ | $226 | +23.63 | $203 |
| Loan Growth YoY (%) | ▼ | 80.25% | -1.71 | 81.96% |
| Total Deposits ($M) | ▲ | $278 | +34.27 | $244 |
| Shareholders Equity ($M) | ▲ | $31 | +4.07 | $27 |
| Tang. Book Value ($M) | ▲ | $29 | +4.07 | $25 |
| TBV excl. AOCI ($M)** | ▲ | $32 | +4.69 | $27 |
| Loan / Deposit Ratio (%) | ▼ | 80.25% | -1.71 | 81.96% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.09% | -2.62 | 3.71% |
| Allowance / Loans (%) | — | 1.48% | -0.02% | 1.50% |
| Net Charge-Off Ratio (%) | ▲ | 1.50% | -3.52 | 5.02% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▂▁█▇▇▃█ | Net Interest Margin (%) | 3.96% | 3.95% | 3.91% | 4.07% | 4.05% | 4.05% | 3.95% | 4.09% |
| ▇▄▁▄▆▆▅█ | Return on Assets (%) | 1.26% | 1.12% | 0.91% | 1.13% | 1.21% | 1.25% | 1.15% | 1.37% |
| ▂▅█▅▄▃▅▁ | Efficiency Ratio (%) | 56.4% | 60.2% | 65.0% | 60.7% | 58.5% | 57.2% | 60.5% | 54.0% |
| █▅▃▃▄▃▂▁ | Cost of Funds (%) | 2.63% | 2.37% | 2.28% | 2.23% | 2.31% | 2.26% | 2.19% | 2.07% |
| ▁▄▄█▂▁▁▂ | NPA / Assets (%) | 0.98% | 2.10% | 1.97% | 3.71% | 1.13% | 0.66% | 0.83% | 1.09% |
| ▁▄▄█▂▁▁▂ | Net Charge-Off Ratio (%) | 1.35% | 2.93% | 2.65% | 5.02% | 1.57% | 0.96% | 1.16% | 1.50% |
| ▂▁▂▃▅▇██ | Tang. Book Value ($M) | $24 | $23 | $24 | $25 | $26 | $28 | $28 | $29 |
| ▁▁▂▃▄▆▇█ | Gross Loans ($M) | $189 | $191 | $196 | $203 | $206 | $212 | $217 | $226 |
| ▁▂▁▃▅█▇█ | Total Deposits ($M) | $230 | $238 | $234 | $244 | $254 | $276 | $270 | $278 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 55% |
| C&I / Commercial | 13% |
| Agricultural | 25% |
| Consumer | 6% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 12% |