Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.88% | +0.28 | 0.60% |
| Return on Equity (%) | ▲ | 10.24% | +2.82 | 7.42% |
| Net Interest Margin (%) | ▲ | 4.04% | +0.47 | 3.57% |
| Efficiency Ratio (%) | ▲ | 70.71% | -7.17 | 77.88% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.66 | $1 |
| Cost of Funds (%) | ▲ | 1.84% | -0.31 | 2.15% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $517 | +48.15 | $469 |
| Gross Loans ($M) | ▲ | $395 | +30.95 | $364 |
| Loan Growth YoY (%) | ▲ | 84.71% | +0.59 | 84.11% |
| Total Deposits ($M) | ▲ | $460 | +32.77 | $428 |
| Shareholders Equity ($M) | ▲ | $44 | +4.66 | $39 |
| Tang. Book Value ($M) | ▲ | $41 | +4.79 | $36 |
| TBV excl. AOCI ($M)** | ▲ | $44 | +5.10 | $38 |
| Loan / Deposit Ratio (%) | ▲ | 84.71% | +0.59 | 84.11% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.31% | +0.17 | 0.14% |
| Allowance / Loans (%) | — | 1.25% | 0.08% | 1.17% |
| Net Charge-Off Ratio (%) | ▼ | 0.41% | +0.23 | 0.17% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -11.40 | 11.40% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▇██ | Net Interest Margin (%) | 3.01% | 3.11% | 3.42% | 3.57% | 3.70% | 3.84% | 3.91% | 4.04% |
| ▁▁▄▆▇▇██ | Return on Assets (%) | 0.14% | 0.22% | 0.47% | 0.60% | 0.71% | 0.69% | 0.81% | 0.88% |
| █▇▃▃▃▂▁▁ | Efficiency Ratio (%) | 90.6% | 86.7% | 78.1% | 77.9% | 76.2% | 74.6% | 72.8% | 70.7% |
| █▇▅▅▄▂▁▁ | Cost of Funds (%) | 2.41% | 2.33% | 2.19% | 2.15% | 2.06% | 1.97% | 1.84% | 1.84% |
| ▁▁▁▄▄▄▁█ | NPA / Assets (%) | 0.00% | 0.02% | 0.02% | 0.14% | 0.12% | 0.12% | 0.00% | 0.31% |
| ▁▁▁▄▄▄▁█ | Net Charge-Off Ratio (%) | 0.00% | 0.02% | 0.02% | 0.17% | 0.16% | 0.16% | 0.00% | 0.41% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $34 | $33 | $35 | $36 | $37 | $39 | $40 | $41 |
| ▁▂▁▁▃▂▃█ | Gross Loans ($M) | $364 | $366 | $362 | $364 | $374 | $367 | $372 | $395 |
| ▁▁▃▂▁▄▇█ | Total Deposits ($M) | $419 | $417 | $429 | $428 | $421 | $438 | $455 | $460 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 8% |
| Agricultural | 5% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 18% |