Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.59% | -0.38 | 1.97% |
| Return on Equity (%) | ▼ | 15.54% | -6.19 | 21.73% |
| Net Interest Margin (%) | ▲ | 3.95% | +0.08 | 3.87% |
| Efficiency Ratio (%) | ▼ | 46.51% | +5.88 | 40.63% |
| Pre-Provision Profit ($M) | ▼ | $16 | -2.64 | $18 |
| Cost of Funds (%) | ▲ | 1.57% | -0.43 | 2.00% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $2,881 | +189.78 | $2,691 |
| Gross Loans ($M) | ▲ | $1,500 | +17.53 | $1,482 |
| Loan Growth YoY (%) | ▼ | 57.44% | -3.11 | 60.55% |
| Total Deposits ($M) | ▲ | $2,560 | +160.34 | $2,400 |
| Shareholders Equity ($M) | ▲ | $295 | +33.32 | $262 |
| Tang. Book Value ($M) | ▲ | $286 | +33.32 | $253 |
| TBV excl. AOCI ($M)** | ▲ | $319 | +37.82 | $282 |
| Loan / Deposit Ratio (%) | ▼ | 57.44% | -3.11 | 60.55% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.06% | +0.02 | 1.04% |
| Allowance / Loans (%) | — | 1.95% | -0.01% | 1.96% |
| Net Charge-Off Ratio (%) | ▼ | 1.67% | +0.10 | 1.57% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 16.75% | +1.78 | 14.97% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▅▅▅▄▆ | Net Interest Margin (%) | 4.18% | 4.15% | 3.53% | 3.87% | 3.88% | 3.93% | 3.82% | 3.95% |
| ▆█▆█▆▇▁▅ | Return on Assets (%) | 1.70% | 2.05% | 1.69% | 1.97% | 1.74% | 1.83% | 1.05% | 1.59% |
| ▃▁▆▁▁▂██ | Efficiency Ratio (%) | 42.1% | 41.3% | 44.3% | 40.6% | 41.2% | 41.6% | 46.4% | 46.5% |
| █▄▄▇▅▂▁▁ | Cost of Funds (%) | 2.14% | 1.81% | 1.83% | 2.00% | 1.88% | 1.71% | 1.60% | 1.57% |
| ▁▂▃▄▂▂█▅ | NPA / Assets (%) | 0.80% | 0.88% | 0.97% | 1.04% | 0.92% | 0.86% | 1.30% | 1.06% |
| ▁▄▇▄▁▁█▅ | Net Charge-Off Ratio (%) | 1.24% | 1.59% | 1.89% | 1.57% | 1.31% | 1.24% | 2.00% | 1.67% |
| ▁▁▂▄▆▇▇█ | Tang. Book Value ($M) | $233 | $234 | $243 | $253 | $267 | $277 | $278 | $286 |
| ▅▂▁▅███▆ | Gross Loans ($M) | $1,479 | $1,428 | $1,388 | $1,482 | $1,555 | $1,545 | $1,543 | $1,500 |
| ▁▆█▄▅▆▆█ | Total Deposits ($M) | $2,224 | $2,496 | $2,592 | $2,400 | $2,445 | $2,500 | $2,469 | $2,560 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 60% |
| C&I / Commercial | 33% |
| Agricultural | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 5% |