Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.07% | -1.07 | 2.15% |
| Return on Equity (%) | ▼ | 11.14% | -11.32 | 22.46% |
| Net Interest Margin (%) | ▼ | 6.92% | -0.09 | 7.01% |
| Efficiency Ratio (%) | ▼ | 82.53% | +12.92 | 69.61% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.49 | $1 |
| Cost of Funds (%) | ▼ | 0.15% | +0.13 | 0.02% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $176 | -7.85 | $184 |
| Gross Loans ($M) | ▲ | $122 | +7.09 | $115 |
| Loan Growth YoY (%) | ▲ | 75.64% | +7.65 | 67.99% |
| Total Deposits ($M) | ▼ | $159 | -7.51 | $167 |
| Shareholders Equity ($M) | ▼ | $17 | -0.41 | $17 |
| Tang. Book Value ($M) | ▼ | $17 | -0.41 | $17 |
| TBV excl. AOCI ($M)** | ▼ | $18 | -0.45 | $19 |
| Loan / Deposit Ratio (%) | ▲ | 75.64% | +7.65 | 67.99% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.74% | +0.44 | 0.29% |
| Allowance / Loans (%) | — | 1.09% | -0.04% | 1.13% |
| Net Charge-Off Ratio (%) | ▼ | 0.73% | +0.65 | 0.08% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 15.03% | -0.96 | 15.99% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▇█▂▂▄▄▁▁ | Net Interest Margin (%) | 7.28% | 7.34% | 6.99% | 7.01% | 7.08% | 7.12% | 6.91% | 6.92% |
| ██▇▇▇▆▁▁ | Return on Assets (%) | 2.37% | 2.36% | 2.16% | 2.15% | 2.21% | 1.94% | 1.15% | 1.07% |
| ▁▁▂▂▂▄██ | Efficiency Ratio (%) | 66.2% | 66.8% | 69.6% | 69.6% | 69.1% | 72.6% | 81.3% | 82.5% |
| ▁▁▂▁▁▁▁█ | Cost of Funds (%) | 0.02% | 0.02% | 0.03% | 0.02% | 0.01% | 0.01% | 0.02% | 0.15% |
| ▂▃▂▁▅▂▅█ | NPA / Assets (%) | 0.40% | 0.41% | 0.38% | 0.29% | 0.53% | 0.39% | 0.53% | 0.74% |
| ▁▁▁▁▆▃▅█ | Net Charge-Off Ratio (%) | 0.12% | 0.14% | 0.12% | 0.08% | 0.50% | 0.24% | 0.42% | 0.73% |
| █▆▆▆█▁▁▁ | Tang. Book Value ($M) | $18 | $17 | $17 | $17 | $18 | $17 | $17 | $17 |
| ▄▂▁▂▄▇██ | Gross Loans ($M) | $116 | $114 | $112 | $115 | $116 | $120 | $122 | $122 |
| ▄▂█▇█▅▁▂ | Total Deposits ($M) | $163 | $160 | $168 | $167 | $169 | $164 | $158 | $159 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 77% |
| C&I / Commercial | 14% |
| Agricultural | 1% |
| Consumer | 6% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 65% |
| Interest-Bearing (core) | 35% |