Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.21% | -0.41 | 2.62% |
| Return on Equity (%) | ▼ | 24.99% | -9.07 | 34.06% |
| Net Interest Margin (%) | ▼ | 4.05% | -0.35 | 4.40% |
| Efficiency Ratio (%) | ▼ | 41.02% | +6.15 | 34.87% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.11 | $1 |
| Cost of Funds (%) | ▲ | 2.05% | -0.31 | 2.36% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $160 | +5.57 | $154 |
| Gross Loans ($M) | ▲ | $130 | +5.97 | $124 |
| Loan Growth YoY (%) | ▼ | 92.77% | -5.14 | 97.91% |
| Total Deposits ($M) | ▲ | $139 | +13.16 | $126 |
| Shareholders Equity ($M) | ▲ | $14 | +1.68 | $13 |
| Tang. Book Value ($M) | ▲ | $14 | +1.82 | $12 |
| Loan / Deposit Ratio (%) | ▼ | 92.77% | -5.14 | 97.91% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.73% | +1.68 | 0.05% |
| Allowance / Loans (%) | — | 0.66% | 0.16% | 0.50% |
| Net Charge-Off Ratio (%) | ▼ | 2.13% | +2.07 | 0.06% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▅█▆▆▅▁▁ | Net Interest Margin (%) | 4.27% | 4.32% | 4.57% | 4.40% | 4.42% | 4.37% | 4.09% | 4.05% |
| ▄▁█▇▇▅▄▂ | Return on Assets (%) | 2.39% | 2.05% | 2.80% | 2.62% | 2.64% | 2.45% | 2.38% | 2.21% |
| ▄█▁▁▁▃▃▄ | Efficiency Ratio (%) | 40.3% | 49.3% | 33.6% | 34.9% | 34.8% | 37.6% | 38.9% | 41.0% |
| ██▆▄▄▃▂▁ | Cost of Funds (%) | 2.74% | 2.82% | 2.61% | 2.36% | 2.42% | 2.27% | 2.18% | 2.05% |
| ▂▁▃▁▁▁▃█ | NPA / Assets (%) | 0.43% | 0.05% | 0.55% | 0.05% | 0.25% | 0.21% | 0.51% | 1.73% |
| ▂▁▃▁▁▁▃█ | Net Charge-Off Ratio (%) | 0.52% | 0.07% | 0.68% | 0.06% | 0.30% | 0.26% | 0.61% | 2.13% |
| ▁▁▂▅▇███ | Tang. Book Value ($M) | $10 | $10 | $11 | $12 | $13 | $13 | $14 | $14 |
| ▃▄▁▄▇█▄█ | Gross Loans ($M) | $123 | $124 | $119 | $124 | $128 | $131 | $124 | $130 |
| ▁▃▁▁▄█▇▇ | Total Deposits ($M) | $125 | $130 | $127 | $126 | $134 | $143 | $139 | $139 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 47% |
| C&I / Commercial | 6% |
| Agricultural | 42% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 43% |
| Brokered / Other | 33% |