Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.89% | +0.21 | 0.68% |
| Return on Equity (%) | ▲ | 10.33% | +1.53 | 8.80% |
| Net Interest Margin (%) | ▲ | 4.54% | +0.35 | 4.20% |
| Efficiency Ratio (%) | ▲ | 75.47% | -2.12 | 77.59% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.03 | $0 |
| Cost of Funds (%) | ▲ | 1.06% | -0.22 | 1.28% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $101 | -1.20 | $102 |
| Gross Loans ($M) | ▼ | $76 | -0.07 | $76 |
| Loan Growth YoY (%) | ▲ | 82.46% | +1.58 | 80.88% |
| Total Deposits ($M) | ▼ | $91 | -1.91 | $93 |
| Shareholders Equity ($M) | ▲ | $9 | +0.73 | $8 |
| Tang. Book Value ($M) | ▲ | $9 | +0.73 | $8 |
| Loan / Deposit Ratio (%) | ▲ | 82.46% | +1.58 | 80.88% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.35% | -0.07 | 0.42% |
| Allowance / Loans (%) | — | 0.58% | 0.04% | 0.54% |
| Net Charge-Off Ratio (%) | ▲ | 0.47% | -0.10 | 0.57% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.71% | +1.55 | 11.15% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▁▃▆▆▆█ | Net Interest Margin (%) | 4.00% | 4.07% | 4.04% | 4.20% | 4.34% | 4.40% | 4.39% | 4.54% |
| ▁▂▄▆▇▇▇█ | Return on Assets (%) | 0.33% | 0.43% | 0.61% | 0.68% | 0.80% | 0.76% | 0.81% | 0.89% |
| █▇▄▂▁▂▂▁ | Efficiency Ratio (%) | 86.6% | 84.2% | 79.8% | 77.6% | 75.0% | 77.1% | 76.8% | 75.5% |
| █▇▅▇▅▄▂▁ | Cost of Funds (%) | 1.32% | 1.26% | 1.22% | 1.28% | 1.21% | 1.16% | 1.12% | 1.06% |
| █▁▁▂▂▁▁▁ | NPA / Assets (%) | 0.84% | 0.36% | 0.33% | 0.42% | 0.40% | 0.30% | 0.30% | 0.35% |
| █▂▁▂▂▁▁▁ | Net Charge-Off Ratio (%) | 1.15% | 0.51% | 0.50% | 0.57% | 0.55% | 0.41% | 0.41% | 0.47% |
| ▁▁▁▃▆▇▇█ | Tang. Book Value ($M) | $8 | $8 | $8 | $8 | $9 | $9 | $9 | $9 |
| ▃▁▁██▇▆█ | Gross Loans ($M) | $73 | $71 | $71 | $76 | $76 | $75 | $75 | $76 |
| ▁▄█▃▅▅▂▁ | Total Deposits ($M) | $91 | $93 | $97 | $93 | $94 | $94 | $92 | $91 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 12% |
| Agricultural | 2% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 12% |