Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.62% | +0.61 | 1.00% |
| Return on Equity (%) | ▲ | 17.48% | +6.28 | 11.20% |
| Net Interest Margin (%) | ▲ | 3.97% | +0.51 | 3.46% |
| Efficiency Ratio (%) | ▲ | 56.04% | -11.17 | 67.21% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.83 | $1 |
| Cost of Funds (%) | ▲ | 1.94% | -0.26 | 2.20% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $486 | +31.79 | $454 |
| Gross Loans ($M) | ▲ | $382 | +41.94 | $340 |
| Loan Growth YoY (%) | ▲ | 87.55% | +5.38 | 82.18% |
| Total Deposits ($M) | ▲ | $430 | +21.30 | $409 |
| Shareholders Equity ($M) | ▲ | $46 | +4.28 | $42 |
| Tang. Book Value ($M) | ▲ | $46 | +4.28 | $42 |
| TBV excl. AOCI ($M)** | ▲ | $50 | +4.26 | $46 |
| Loan / Deposit Ratio (%) | ▲ | 87.55% | +5.38 | 82.18% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.58% | -0.33 | 0.92% |
| Allowance / Loans (%) | — | 1.48% | 0.20% | 1.28% |
| Net Charge-Off Ratio (%) | ▲ | 0.74% | -0.48 | 1.22% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 11.47% | -0.44 | 11.91% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▄▅▆██ | Net Interest Margin (%) | 2.98% | 3.02% | 3.19% | 3.46% | 3.58% | 3.65% | 3.88% | 3.97% |
| ▁▁▂▃▃▁██ | Return on Assets (%) | 0.85% | 0.78% | 0.90% | 1.00% | 1.05% | 0.82% | 1.56% | 1.62% |
| ███▇▆▆▁▁ | Efficiency Ratio (%) | 69.0% | 70.8% | 69.5% | 67.2% | 65.7% | 66.9% | 56.5% | 56.0% |
| █▇▅▄▃▄▁▁ | Cost of Funds (%) | 2.50% | 2.38% | 2.20% | 2.20% | 2.10% | 2.13% | 1.90% | 1.94% |
| █▆▆▄▃▁▂▁ | NPA / Assets (%) | 1.46% | 1.21% | 1.18% | 0.92% | 0.74% | 0.48% | 0.70% | 0.58% |
| █▅▅▅▃▁▂▂ | Net Charge-Off Ratio (%) | 1.84% | 1.23% | 1.26% | 1.22% | 0.83% | 0.47% | 0.73% | 0.74% |
| ▁▁▂▃▅▅▆█ | Tang. Book Value ($M) | $41 | $40 | $41 | $42 | $44 | $44 | $44 | $46 |
| ▃▁▁▁▅▇██ | Gross Loans ($M) | $354 | $339 | $337 | $340 | $364 | $373 | $377 | $382 |
| ▁▁▅▂▄▄█▇ | Total Deposits ($M) | $402 | $405 | $422 | $409 | $418 | $417 | $435 | $430 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 79% |
| C&I / Commercial | 13% |
| Agricultural | 7% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 22% |