Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.26% | -0.04 | 1.30% |
| Return on Equity (%) | ▲ | 15.24% | +0.77 | 14.47% |
| Net Interest Margin (%) | ▼ | 3.64% | -0.29 | 3.93% |
| Efficiency Ratio (%) | ▲ | 54.39% | -2.63 | 57.02% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.14 | $1 |
| Cost of Funds (%) | ▲ | 2.34% | -0.08 | 2.41% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $292 | +32.59 | $259 |
| Gross Loans ($M) | ▼ | $236 | -4.76 | $241 |
| Loan Growth YoY (%) | ▼ | 104.38% | -21.01 | 125.39% |
| Total Deposits ($M) | ▲ | $222 | +33.39 | $189 |
| Shareholders Equity ($M) | ▲ | $25 | +1.97 | $23 |
| Tang. Book Value ($M) | ▲ | $25 | +1.97 | $23 |
| Loan / Deposit Ratio (%) | ▼ | 104.38% | -21.01 | 125.39% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.82% | +0.71 | 0.11% |
| Allowance / Loans (%) | — | 1.67% | 0.05% | 1.63% |
| Net Charge-Off Ratio (%) | ▼ | 1.02% | +0.90 | 0.12% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 10.79% | +1.42 | 9.38% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▆▅███▁▃ | Net Interest Margin (%) | 3.80% | 3.79% | 3.75% | 3.93% | 3.97% | 3.95% | 3.46% | 3.64% |
| ▄▁▇███▆▇ | Return on Assets (%) | 1.09% | 0.88% | 1.21% | 1.30% | 1.32% | 1.28% | 1.16% | 1.26% |
| ██▅▃▃▃▂▁ | Efficiency Ratio (%) | 62.7% | 63.1% | 59.4% | 57.0% | 56.7% | 57.6% | 55.6% | 54.4% |
| █▅▆▆█▇▁▅ | Cost of Funds (%) | 2.54% | 2.36% | 2.40% | 2.41% | 2.61% | 2.48% | 2.03% | 2.34% |
| ▂▂▁▁▁▅█▇ | NPA / Assets (%) | 0.24% | 0.23% | 0.17% | 0.11% | 0.12% | 0.53% | 0.93% | 0.82% |
| ▁▁▁▁▁▄█▇ | Net Charge-Off Ratio (%) | 0.18% | 0.17% | 0.11% | 0.12% | 0.13% | 0.60% | 1.31% | 1.02% |
| ▁▁▂▃▄▆▇█ | Tang. Book Value ($M) | $23 | $22 | $23 | $23 | $24 | $24 | $25 | $25 |
| ▁▅▄███▆▇ | Gross Loans ($M) | $213 | $228 | $224 | $241 | $242 | $240 | $233 | $236 |
| ▁▂▂▂▂▄█▅ | Total Deposits ($M) | $170 | $189 | $185 | $189 | $191 | $205 | $259 | $222 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 14% |
| Agricultural | 6% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 50% |
| Interest-Bearing (core) | 44% |
| Brokered / Other | 6% |