Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.21% | +0.42 | 0.79% |
| Return on Equity (%) | ▲ | 14.33% | +4.30 | 10.03% |
| Net Interest Margin (%) | ▲ | 4.36% | +0.29 | 4.07% |
| Efficiency Ratio (%) | ▲ | 63.52% | -5.90 | 69.42% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.39 | $1 |
| Cost of Funds (%) | ▲ | 1.61% | -0.17 | 1.79% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $238 | +4.10 | $233 |
| Gross Loans ($M) | ▲ | $201 | +7.81 | $193 |
| Loan Growth YoY (%) | ▼ | 100.47% | -0.58 | 101.05% |
| Total Deposits ($M) | ▲ | $197 | +8.32 | $188 |
| Shareholders Equity ($M) | ▲ | $21 | +2.12 | $19 |
| Tang. Book Value ($M) | ▲ | $19 | +2.20 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +1.87 | $19 |
| Loan / Deposit Ratio (%) | ▼ | 100.47% | -0.58 | 101.05% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.02% | +0.65 | 0.37% |
| Allowance / Loans (%) | — | 1.58% | 0.22% | 1.37% |
| Net Charge-Off Ratio (%) | ▼ | 0.99% | +0.54 | 0.45% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 11.77% | +0.59 | 11.19% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▆▆▆▇▇█ | Net Interest Margin (%) | 3.43% | 3.50% | 4.03% | 4.07% | 4.09% | 4.16% | 4.19% | 4.36% |
| ▁▁▄▄▄▄██ | Return on Assets (%) | 0.52% | 0.60% | 0.79% | 0.79% | 0.83% | 0.84% | 1.14% | 1.21% |
| ██▁▄▄▄▁▁ | Efficiency Ratio (%) | 78.9% | 77.2% | 64.9% | 69.4% | 70.1% | 69.6% | 64.6% | 63.5% |
| ██▅▅▃▂▄▁ | Cost of Funds (%) | 1.90% | 1.89% | 1.79% | 1.79% | 1.72% | 1.65% | 1.75% | 1.61% |
| ▂▁▁▁█▁██ | NPA / Assets (%) | 0.42% | 0.39% | 0.33% | 0.37% | 0.99% | 0.34% | 0.94% | 1.02% |
| ▂▂▁▁█▁▇▆ | Net Charge-Off Ratio (%) | 0.55% | 0.51% | 0.40% | 0.45% | 1.23% | 0.44% | 1.08% | 0.99% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $16 | $16 | $17 | $17 | $18 | $18 | $19 | $19 |
| ▁▁▃▅▆█▆█ | Gross Loans ($M) | $184 | $184 | $190 | $193 | $196 | $200 | $196 | $201 |
| ▄▃▁▂▅█▄▅ | Total Deposits ($M) | $194 | $193 | $186 | $188 | $199 | $207 | $195 | $197 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 88% |
| C&I / Commercial | 5% |
| Agricultural | 4% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 12% |