Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.39% | +0.18 | 1.21% |
| Return on Equity (%) | ▲ | 14.71% | +1.22 | 13.49% |
| Net Interest Margin (%) | ▲ | 3.17% | +0.30 | 2.87% |
| Efficiency Ratio (%) | ▲ | 39.22% | -7.40 | 46.62% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.40 | $1 |
| Cost of Funds (%) | ▲ | 2.65% | -0.21 | 2.86% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $342 | +32.20 | $309 |
| Gross Loans ($M) | ▲ | $177 | +15.61 | $162 |
| Loan Growth YoY (%) | ▼ | 60.92% | -2.01 | 62.93% |
| Total Deposits ($M) | ▲ | $288 | +32.99 | $255 |
| Shareholders Equity ($M) | ▲ | $32 | +4.14 | $28 |
| Tang. Book Value ($M) | ▲ | $32 | +4.19 | $28 |
| TBV excl. AOCI ($M)** | ▲ | $40 | +5.06 | $35 |
| Loan / Deposit Ratio (%) | ▼ | 60.92% | -2.01 | 62.93% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.10% | -0.15 | 0.25% |
| Allowance / Loans (%) | — | 1.11% | 0.27% | 0.83% |
| Net Charge-Off Ratio (%) | ▲ | 0.19% | -0.28 | 0.47% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 17.21% | +0.68 | 16.53% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▅▆▆██ | Net Interest Margin (%) | 2.42% | 2.52% | 2.79% | 2.87% | 2.91% | 2.97% | 3.12% | 3.17% |
| ▁▁▅▆▆▅██ | Return on Assets (%) | 0.89% | 0.83% | 1.15% | 1.21% | 1.25% | 1.14% | 1.34% | 1.39% |
| ▇█▅▃▃▄▁▁ | Efficiency Ratio (%) | 56.4% | 59.1% | 50.3% | 46.6% | 44.6% | 49.0% | 40.5% | 39.2% |
| █▆▅▃▄▃▁▁ | Cost of Funds (%) | 3.23% | 3.03% | 2.98% | 2.86% | 2.91% | 2.81% | 2.69% | 2.65% |
| ▁█▇▇▅▅▂▃ | NPA / Assets (%) | 0.02% | 0.32% | 0.27% | 0.25% | 0.20% | 0.20% | 0.06% | 0.10% |
| ▁█▇▆▅▅▁▃ | Net Charge-Off Ratio (%) | 0.04% | 0.63% | 0.52% | 0.47% | 0.39% | 0.38% | 0.11% | 0.19% |
| ▂▁▂▄▆▇▇█ | Tang. Book Value ($M) | $26 | $25 | $26 | $28 | $30 | $30 | $31 | $32 |
| ▁▃▃▅▇█▇█ | Gross Loans ($M) | $136 | $149 | $151 | $162 | $167 | $173 | $171 | $177 |
| ▁▁▁▃▆▆▄█ | Total Deposits ($M) | $238 | $241 | $244 | $255 | $275 | $273 | $262 | $288 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 87% |
| C&I / Commercial | 6% |
| Agricultural | 4% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 4% |
| Interest-Bearing (core) | 47% |
| Brokered / Other | 49% |