Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.06% | -0.07 | 1.13% |
| Return on Equity (%) | ▼ | 7.66% | -0.60 | 8.26% |
| Net Interest Margin (%) | ▲ | 4.41% | +0.29 | 4.12% |
| Efficiency Ratio (%) | ▲ | 62.85% | -1.22 | 64.06% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.08 | $1 |
| Cost of Funds (%) | ▲ | 1.77% | -0.10 | 1.87% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $198 | +19.10 | $178 |
| Gross Loans ($M) | ▲ | $146 | +14.03 | $132 |
| Loan Growth YoY (%) | ▼ | 86.42% | -1.29 | 87.71% |
| Total Deposits ($M) | ▲ | $167 | +18.26 | $148 |
| Shareholders Equity ($M) | ▲ | $28 | +2.58 | $25 |
| Tang. Book Value ($M) | ▲ | $23 | +2.63 | $21 |
| Loan / Deposit Ratio (%) | ▼ | 86.42% | -1.29 | 87.71% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.17% | +0.13 | 0.04% |
| Allowance / Loans (%) | — | 1.28% | -0.01% | 1.29% |
| Net Charge-Off Ratio (%) | ▼ | 0.23% | +0.18 | 0.06% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▄▅▄▆█ | Net Interest Margin (%) | 3.86% | 3.88% | 3.91% | 4.12% | 4.19% | 4.11% | 4.23% | 4.41% |
| ▆▇▁▆▇█▆▅ | Return on Assets (%) | 1.13% | 1.18% | 0.62% | 1.13% | 1.24% | 1.35% | 1.08% | 1.06% |
| ▁▁█▂▁▁▃▁ | Efficiency Ratio (%) | 62.0% | 62.6% | 74.1% | 64.1% | 63.0% | 62.6% | 65.7% | 62.8% |
| ▂▂▅▅█▃▆▁ | Cost of Funds (%) | 1.81% | 1.80% | 1.89% | 1.87% | 1.96% | 1.82% | 1.90% | 1.77% |
| ▇▄▂▁▁▂██ | NPA / Assets (%) | 0.15% | 0.10% | 0.06% | 0.04% | 0.05% | 0.07% | 0.17% | 0.17% |
| ▅▅▂▁▁▃██ | Net Charge-Off Ratio (%) | 0.15% | 0.15% | 0.08% | 0.06% | 0.07% | 0.10% | 0.23% | 0.23% |
| ▆▁▁▃▄▆▇█ | Tang. Book Value ($M) | $22 | $20 | $20 | $21 | $21 | $22 | $23 | $23 |
| ▁▁▃▄▄▅▇█ | Gross Loans ($M) | $119 | $120 | $126 | $132 | $132 | $133 | $141 | $146 |
| ▁▅▃▄▄█▆█ | Total Deposits ($M) | $132 | $155 | $145 | $148 | $150 | $170 | $160 | $167 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 70% |
| C&I / Commercial | 6% |
| Agricultural | 18% |
| Consumer | 3% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 18% |