Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.09% | -0.05 | 1.13% |
| Return on Equity (%) | ▼ | 11.14% | -1.24 | 12.38% |
| Net Interest Margin (%) | ▲ | 3.78% | +0.31 | 3.47% |
| Efficiency Ratio (%) | ▼ | 67.88% | +0.57 | 67.31% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.23 | $2 |
| Cost of Funds (%) | ▲ | 2.15% | -0.35 | 2.50% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $630 | +21.03 | $609 |
| Gross Loans ($M) | ▲ | $504 | +12.50 | $491 |
| Loan Growth YoY (%) | ▼ | 90.69% | -1.11 | 91.80% |
| Total Deposits ($M) | ▲ | $548 | +20.21 | $528 |
| Shareholders Equity ($M) | ▲ | $62 | +4.76 | $57 |
| Tang. Book Value ($M) | ▲ | $59 | +4.76 | $54 |
| TBV excl. AOCI ($M)** | ▲ | $60 | +4.87 | $55 |
| Loan / Deposit Ratio (%) | ▼ | 90.69% | -1.11 | 91.80% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.96% | +0.18 | 0.78% |
| Allowance / Loans (%) | — | 1.28% | -0.03% | 1.31% |
| Net Charge-Off Ratio (%) | ▼ | 1.20% | +0.24 | 0.97% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.05% | +0.54 | 11.51% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▂▄▄██ | Net Interest Margin (%) | 3.38% | 3.37% | 3.42% | 3.47% | 3.55% | 3.57% | 3.75% | 3.78% |
| ▃▁█▃▄▃▁▂ | Return on Assets (%) | 1.14% | 1.05% | 1.29% | 1.13% | 1.14% | 1.12% | 1.07% | 1.09% |
| ▆█▁▄▄▄▄▄ | Efficiency Ratio (%) | 69.1% | 70.5% | 65.4% | 67.3% | 67.8% | 67.8% | 67.9% | 67.9% |
| ██▆▆▆▃▂▁ | Cost of Funds (%) | 2.68% | 2.67% | 2.55% | 2.50% | 2.52% | 2.34% | 2.23% | 2.15% |
| ▆▆▄▃▁▃▅█ | NPA / Assets (%) | 0.87% | 0.88% | 0.82% | 0.78% | 0.70% | 0.78% | 0.86% | 0.96% |
| ▅▆▄▃▁▃▅█ | Net Charge-Off Ratio (%) | 1.04% | 1.08% | 1.01% | 0.97% | 0.86% | 0.95% | 1.06% | 1.20% |
| ▁▂▃▄▆▇▇█ | Tang. Book Value ($M) | $50 | $52 | $53 | $54 | $55 | $57 | $57 | $59 |
| ▆▅▃▁▁█▇█ | Gross Loans ($M) | $500 | $499 | $495 | $491 | $491 | $505 | $502 | $504 |
| ▁▃▄▄▃▆▆█ | Total Deposits ($M) | $512 | $525 | $530 | $528 | $522 | $535 | $536 | $548 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 13% |
| Agricultural | 1% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 10% |