Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.31% | +0.41 | 0.90% |
| Return on Equity (%) | ▲ | 15.28% | +3.79 | 11.49% |
| Net Interest Margin (%) | ▲ | 4.43% | +0.34 | 4.09% |
| Efficiency Ratio (%) | ▲ | 64.83% | -5.06 | 69.89% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.09 | $1 |
| Cost of Funds (%) | ▲ | 1.83% | -0.06 | 1.89% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $203 | +6.84 | $196 |
| Gross Loans ($M) | ▲ | $153 | +5.48 | $148 |
| Loan Growth YoY (%) | ▲ | 85.59% | +0.26 | 85.34% |
| Total Deposits ($M) | ▲ | $176 | +5.89 | $170 |
| Shareholders Equity ($M) | ▲ | $18 | +2.18 | $16 |
| Tang. Book Value ($M) | ▲ | $18 | +2.18 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +2.40 | $17 |
| Loan / Deposit Ratio (%) | ▲ | 85.59% | +0.26 | 85.34% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.50% | +0.07 | 0.44% |
| Allowance / Loans (%) | — | 1.76% | -0.07% | 1.82% |
| Net Charge-Off Ratio (%) | ▼ | 0.67% | +0.09 | 0.58% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▄▆▆██ | Net Interest Margin (%) | 3.83% | 3.87% | 3.90% | 4.09% | 4.23% | 4.25% | 4.37% | 4.43% |
| ▂▃▁▂▄▅██ | Return on Assets (%) | 0.91% | 0.94% | 0.79% | 0.90% | 1.01% | 1.06% | 1.33% | 1.31% |
| ▆▆█▅▅▅▁▁ | Efficiency Ratio (%) | 70.4% | 70.1% | 73.6% | 69.9% | 69.6% | 68.8% | 63.9% | 64.8% |
| ██▄▆▁▁▁▃ | Cost of Funds (%) | 1.92% | 1.94% | 1.85% | 1.89% | 1.80% | 1.80% | 1.79% | 1.83% |
| ▆▆█▂▁▃▁▃ | NPA / Assets (%) | 0.71% | 0.68% | 0.84% | 0.44% | 0.36% | 0.49% | 0.32% | 0.50% |
| ▃▃█▂▁▃▁▃ | Net Charge-Off Ratio (%) | 0.74% | 0.66% | 1.21% | 0.58% | 0.48% | 0.70% | 0.47% | 0.67% |
| ▃▁▂▄▅▆▇█ | Tang. Book Value ($M) | $15 | $15 | $15 | $16 | $16 | $17 | $18 | $18 |
| ▁▁▂▆▆▅▅█ | Gross Loans ($M) | $138 | $138 | $140 | $148 | $148 | $145 | $146 | $153 |
| ▁▃▅▃▂▆█▅ | Total Deposits ($M) | $163 | $169 | $176 | $170 | $166 | $178 | $184 | $176 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 10% |
| Agricultural | 5% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 11% |