Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.26% | -0.09 | 2.35% |
| Return on Equity (%) | ▼ | 17.06% | -3.45 | 20.51% |
| Net Interest Margin (%) | ▼ | 5.44% | -0.12 | 5.56% |
| Efficiency Ratio (%) | ▼ | 44.14% | +3.39 | 40.75% |
| Pre-Provision Profit ($M) | ▼ | $3 | -0.06 | $3 |
| Cost of Funds (%) | ▲ | 1.09% | -0.03 | 1.12% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $354 | +13.53 | $340 |
| Gross Loans ($M) | ▲ | $208 | +17.50 | $191 |
| Loan Growth YoY (%) | ▲ | 68.65% | +3.66 | 64.99% |
| Total Deposits ($M) | ▲ | $299 | +9.55 | $289 |
| Shareholders Equity ($M) | ▲ | $49 | +7.23 | $42 |
| Tang. Book Value ($M) | ▲ | $47 | +7.38 | $40 |
| TBV excl. AOCI ($M)** | ▲ | $51 | +6.97 | $44 |
| Loan / Deposit Ratio (%) | ▲ | 68.65% | +3.66 | 64.99% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.55% | -0.21 | 0.77% |
| Allowance / Loans (%) | — | 1.33% | 0.06% | 1.28% |
| Net Charge-Off Ratio (%) | ▲ | 0.84% | -0.53 | 1.37% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 24.03% | +2.04 | 21.99% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▅█▅█▄▃▁ | Net Interest Margin (%) | 5.58% | 5.55% | 5.63% | 5.56% | 5.62% | 5.53% | 5.49% | 5.44% |
| █▁▆██▅▅▅ | Return on Assets (%) | 2.37% | 2.13% | 2.29% | 2.35% | 2.35% | 2.26% | 2.27% | 2.26% |
| ▁▅▂▁▁▄█▇ | Efficiency Ratio (%) | 41.0% | 43.3% | 41.3% | 40.8% | 40.6% | 42.3% | 45.2% | 44.1% |
| █▅▃▄▄▃▁▃ | Cost of Funds (%) | 1.27% | 1.16% | 1.11% | 1.12% | 1.12% | 1.09% | 1.03% | 1.09% |
| █▆▅▂▃▂▁▁ | NPA / Assets (%) | 1.75% | 1.38% | 1.16% | 0.77% | 0.85% | 0.84% | 0.55% | 0.55% |
| █▅▅▂▂▃▁▁ | Net Charge-Off Ratio (%) | 3.02% | 2.13% | 1.97% | 1.37% | 1.38% | 1.47% | 0.98% | 0.84% |
| ▁▁▂▄▅▆▇█ | Tang. Book Value ($M) | $36 | $35 | $37 | $40 | $42 | $43 | $45 | $47 |
| ▁▃▄▅▆▆▆█ | Gross Loans ($M) | $169 | $179 | $184 | $191 | $197 | $193 | $198 | $208 |
| ▁▇▆▄▃█▇▇ | Total Deposits ($M) | $277 | $298 | $295 | $289 | $286 | $304 | $299 | $299 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 79% |
| C&I / Commercial | 9% |
| Agricultural | 2% |
| Consumer | 8% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 35% |
| Interest-Bearing (core) | 51% |
| Brokered / Other | 14% |