Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.53% | -0.47 | 2.00% |
| Return on Equity (%) | ▼ | 16.08% | -9.10 | 25.18% |
| Net Interest Margin (%) | ▼ | 5.01% | -0.01 | 5.02% |
| Efficiency Ratio (%) | ▼ | 60.84% | +0.33 | 60.51% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.06 | $1 |
| Cost of Funds (%) | ▲ | 1.38% | -0.16 | 1.54% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $145 | +9.68 | $135 |
| Gross Loans ($M) | ▲ | $93 | +4.96 | $88 |
| Loan Growth YoY (%) | ▼ | 70.24% | -0.11 | 70.34% |
| Total Deposits ($M) | ▲ | $130 | +6.93 | $123 |
| Shareholders Equity ($M) | ▲ | $14 | +2.73 | $11 |
| Tang. Book Value ($M) | ▲ | $14 | +2.73 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +2.76 | $13 |
| Loan / Deposit Ratio (%) | ▼ | 70.24% | -0.11 | 70.34% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.50 | 0.50% |
| Allowance / Loans (%) | — | 1.95% | 0.15% | 1.80% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.33 | 0.33% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆▇██▅▇ | Net Interest Margin (%) | 4.67% | 4.73% | 4.96% | 5.02% | 5.07% | 5.11% | 4.93% | 5.01% |
| ██▅█▇▆▃▁ | Return on Assets (%) | 2.04% | 2.03% | 1.81% | 2.00% | 1.96% | 1.86% | 1.66% | 1.53% |
| ▁▁▇▄▅▄█▄ | Efficiency Ratio (%) | 57.6% | 58.2% | 63.6% | 60.5% | 61.5% | 60.9% | 64.6% | 60.8% |
| █▇▄▄▁▃▁▁ | Cost of Funds (%) | 1.77% | 1.67% | 1.56% | 1.54% | 1.43% | 1.49% | 1.40% | 1.38% |
| ▁▃▆██▁▁▁ | NPA / Assets (%) | 0.01% | 0.15% | 0.36% | 0.50% | 0.52% | 0.04% | 0.04% | 0.00% |
| ▁▄█▅▆▁▁▁ | Net Charge-Off Ratio (%) | 0.02% | 0.23% | 0.58% | 0.33% | 0.40% | 0.06% | 0.07% | 0.00% |
| ▃▁▁▂▆█▆█ | Tang. Book Value ($M) | $12 | $10 | $10 | $11 | $13 | $14 | $13 | $14 |
| ▁▃▄▆▇█▇█ | Gross Loans ($M) | $78 | $83 | $84 | $88 | $90 | $93 | $90 | $93 |
| ▂▁▄▄█▆██ | Total Deposits ($M) | $120 | $117 | $124 | $123 | $130 | $127 | $131 | $130 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 70% |
| C&I / Commercial | 13% |
| Agricultural | 5% |
| Consumer | 11% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 36% |
| Interest-Bearing (core) | 52% |
| Brokered / Other | 11% |