Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.65% | -0.11 | 1.77% |
| Return on Equity (%) | ▼ | 23.05% | -2.52 | 25.57% |
| Net Interest Margin (%) | ▼ | 4.17% | -0.06 | 4.22% |
| Efficiency Ratio (%) | ▼ | 59.47% | +0.83 | 58.63% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.06 | $1 |
| Cost of Funds (%) | ▲ | 1.81% | -0.10 | 1.91% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $164 | +24.41 | $140 |
| Gross Loans ($M) | ▲ | $126 | +18.47 | $107 |
| Loan Growth YoY (%) | ▼ | 83.38% | -1.69 | 85.07% |
| Total Deposits ($M) | ▲ | $150 | +24.49 | $125 |
| Shareholders Equity ($M) | ▲ | $11 | +1.42 | $10 |
| Tang. Book Value ($M) | ▲ | $11 | +1.42 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $12 | +1.60 | $11 |
| Loan / Deposit Ratio (%) | ▼ | 83.38% | -1.69 | 85.07% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.49% | +0.38 | 0.12% |
| Allowance / Loans (%) | — | 0.76% | 0.04% | 0.72% |
| Net Charge-Off Ratio (%) | ▼ | 0.65% | +0.49 | 0.15% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 11.00% | -0.68 | 11.68% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▅▁▆██▂▄ | Net Interest Margin (%) | 4.21% | 4.20% | 4.11% | 4.22% | 4.26% | 4.26% | 4.13% | 4.17% |
| ▇▇▃██▁▃▄ | Return on Assets (%) | 1.72% | 1.72% | 1.62% | 1.77% | 1.76% | 1.56% | 1.63% | 1.65% |
| ▁▁█▃▂▅█▅ | Efficiency Ratio (%) | 57.5% | 58.0% | 60.7% | 58.6% | 58.4% | 59.6% | 61.1% | 59.5% |
| ▇█▅▄▂▂▂▁ | Cost of Funds (%) | 2.01% | 2.05% | 1.94% | 1.91% | 1.86% | 1.86% | 1.84% | 1.81% |
| ▄▁▁▁▆▅▃█ | NPA / Assets (%) | 0.26% | 0.08% | 0.12% | 0.12% | 0.36% | 0.30% | 0.23% | 0.49% |
| ▄▁▁▁▆▅▄█ | Net Charge-Off Ratio (%) | 0.34% | 0.08% | 0.15% | 0.15% | 0.46% | 0.40% | 0.31% | 0.65% |
| ▁▁▃▃▅███ | Tang. Book Value ($M) | $9 | $9 | $10 | $10 | $11 | $11 | $11 | $11 |
| ▁▁▁▁▂▄▅█ | Gross Loans ($M) | $107 | $107 | $108 | $107 | $111 | $116 | $118 | $126 |
| ▁▁▁▂▂▅▆█ | Total Deposits ($M) | $121 | $121 | $122 | $125 | $127 | $138 | $140 | $150 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 8% |
| Agricultural | 1% |
| Consumer | 3% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 50% |
| Brokered / Other | 20% |