Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.96% | +0.32 | 0.64% |
| Return on Equity (%) | ▲ | 6.68% | +2.04 | 4.64% |
| Net Interest Margin (%) | ▲ | 3.44% | +0.67 | 2.77% |
| Efficiency Ratio (%) | ▲ | 64.40% | -8.78 | 73.17% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.21 | $0 |
| Cost of Funds (%) | ▲ | 2.10% | -0.19 | 2.28% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $131 | +4.23 | $127 |
| Gross Loans ($M) | ▲ | $89 | +1.13 | $88 |
| Loan Growth YoY (%) | ▼ | 78.95% | -2.81 | 81.76% |
| Total Deposits ($M) | ▲ | $112 | +5.13 | $106 |
| Shareholders Equity ($M) | ▲ | $19 | +1.49 | $18 |
| Tang. Book Value ($M) | ▲ | $19 | +1.49 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +1.60 | $18 |
| Loan / Deposit Ratio (%) | ▼ | 78.95% | -2.81 | 81.76% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.50% | -0.06 | 0.56% |
| Allowance / Loans (%) | — | 1.20% | 0.07% | 1.13% |
| Net Charge-Off Ratio (%) | ▲ | 0.73% | -0.08 | 0.81% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 23.98% | +0.68 | 23.30% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▄▅▅██ | Net Interest Margin (%) | 2.34% | 2.37% | 2.56% | 2.77% | 2.94% | 2.99% | 3.45% | 3.44% |
| ▁▁▅▅▆▅▆█ | Return on Assets (%) | 0.27% | 0.27% | 0.62% | 0.64% | 0.72% | 0.67% | 0.75% | 0.96% |
| ██▅▃▂▂▃▁ | Efficiency Ratio (%) | 88.1% | 88.4% | 76.4% | 73.2% | 68.6% | 69.1% | 71.2% | 64.4% |
| ██▇▅▄▇▁▁ | Cost of Funds (%) | 2.45% | 2.49% | 2.43% | 2.28% | 2.26% | 2.42% | 2.07% | 2.10% |
| ▆▅▆▃▁█▁▁ | NPA / Assets (%) | 0.63% | 0.61% | 0.64% | 0.56% | 0.48% | 0.70% | 0.49% | 0.50% |
| ▅▅▇▃▁█▂▂ | Net Charge-Off Ratio (%) | 0.90% | 0.88% | 0.95% | 0.81% | 0.68% | 1.04% | 0.75% | 0.73% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $17 | $17 | $17 | $17 | $18 | $18 | $18 | $19 |
| ▂▃▁▆█▅▆█ | Gross Loans ($M) | $86 | $86 | $85 | $88 | $90 | $88 | $88 | $89 |
| ▁▂▄▄▃▇█▇ | Total Deposits ($M) | $101 | $104 | $107 | $106 | $105 | $111 | $114 | $112 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 5% |
| Agricultural | 6% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 2% |
| Interest-Bearing (core) | 82% |
| Brokered / Other | 16% |