Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.19% | +0.01 | 1.18% |
| Return on Equity (%) | ▼ | 13.23% | -2.08 | 15.31% |
| Net Interest Margin (%) | ▲ | 3.76% | +0.05 | 3.71% |
| Efficiency Ratio (%) | ▼ | 59.67% | +0.14 | 59.53% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.10 | $2 |
| Cost of Funds (%) | ▲ | 1.30% | -0.16 | 1.47% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $599 | +34.96 | $564 |
| Gross Loans ($M) | ▲ | $287 | +5.12 | $282 |
| Loan Growth YoY (%) | ▼ | 52.02% | -1.42 | 53.44% |
| Total Deposits ($M) | ▲ | $541 | +23.90 | $517 |
| Shareholders Equity ($M) | ▲ | $55 | +10.70 | $44 |
| Tang. Book Value ($M) | ▲ | $55 | +10.87 | $44 |
| TBV excl. AOCI ($M)** | ▲ | $68 | +12.09 | $56 |
| Loan / Deposit Ratio (%) | ▼ | 52.02% | -1.42 | 53.44% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.01% | -0.10 | 0.11% |
| Allowance / Loans (%) | — | 1.87% | -0.02% | 1.89% |
| Net Charge-Off Ratio (%) | ▲ | 0.02% | -0.20 | 0.22% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▅▁▅▇█▅█ | Net Interest Margin (%) | 3.66% | 3.71% | 3.62% | 3.71% | 3.74% | 3.77% | 3.70% | 3.76% |
| ▇█▁▄▅▇▂▄ | Return on Assets (%) | 1.23% | 1.25% | 1.12% | 1.18% | 1.20% | 1.23% | 1.14% | 1.19% |
| ▁▁█▆▆▅█▆ | Efficiency Ratio (%) | 57.4% | 57.1% | 60.5% | 59.5% | 59.4% | 59.1% | 60.7% | 59.7% |
| █▇▄▅▄▃▁▁ | Cost of Funds (%) | 1.62% | 1.56% | 1.42% | 1.47% | 1.45% | 1.39% | 1.29% | 1.30% |
| ▁▁██▁▁▁▁ | NPA / Assets (%) | 0.01% | 0.01% | 0.11% | 0.11% | 0.01% | 0.01% | 0.01% | 0.01% |
| ▁▁██▁▁▁▁ | Net Charge-Off Ratio (%) | 0.02% | 0.02% | 0.22% | 0.22% | 0.02% | 0.02% | 0.02% | 0.02% |
| ▃▁▂▂▅▇▇█ | Tang. Book Value ($M) | $46 | $42 | $44 | $44 | $49 | $52 | $52 | $55 |
| ▂▁▁▅▃█▅█ | Gross Loans ($M) | $278 | $277 | $276 | $282 | $280 | $287 | $283 | $287 |
| ▆▅▄▁▆▅██ | Total Deposits ($M) | $535 | $533 | $528 | $517 | $536 | $531 | $543 | $541 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 89% |
| C&I / Commercial | 2% |
| Agricultural | 9% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 34% |
| Interest-Bearing (core) | 57% |
| Brokered / Other | 10% |