Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.22% | +1.04 | 1.18% |
| Return on Equity (%) | ▲ | 22.57% | +10.81 | 11.76% |
| Net Interest Margin (%) | ▲ | 4.72% | +0.07 | 4.64% |
| Efficiency Ratio (%) | ▲ | 69.03% | -2.17 | 71.20% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.66 | $2 |
| Cost of Funds (%) | ▲ | 1.72% | -0.19 | 1.92% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $643 | +214.49 | $429 |
| Gross Loans ($M) | ▲ | $463 | +99.23 | $364 |
| Loan Growth YoY (%) | ▼ | 80.73% | -14.94 | 95.67% |
| Total Deposits ($M) | ▲ | $567 | +191.34 | $376 |
| Shareholders Equity ($M) | ▲ | $65 | +23.38 | $42 |
| Tang. Book Value ($M) | ▲ | $57 | +15.75 | $42 |
| TBV excl. AOCI ($M)** | ▲ | $62 | +18.37 | $43 |
| Loan / Deposit Ratio (%) | ▼ | 80.73% | -14.94 | 95.67% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.58% | -1.25 | 1.83% |
| Allowance / Loans (%) | — | 1.09% | -0.05% | 1.14% |
| Net Charge-Off Ratio (%) | ▲ | 0.70% | -1.37 | 2.08% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▆▁▆▇███ | Net Interest Margin (%) | 4.60% | 4.63% | 4.46% | 4.64% | 4.66% | 4.73% | 4.71% | 4.72% |
| ▂▂▁▁▂▂▂█ | Return on Assets (%) | 1.28% | 1.29% | 1.04% | 1.18% | 1.26% | 1.31% | 1.28% | 2.22% |
| ▄▆█▅▄▅▇▁ | Efficiency Ratio (%) | 70.6% | 71.6% | 72.5% | 71.2% | 70.7% | 71.1% | 71.8% | 69.0% |
| ▇█▅▅▅▆▃▁ | Cost of Funds (%) | 2.05% | 2.10% | 1.96% | 1.92% | 1.95% | 1.96% | 1.83% | 1.72% |
| ▁▁███▁▁▂ | NPA / Assets (%) | 0.24% | 0.26% | 1.94% | 1.83% | 2.01% | 0.38% | 0.40% | 0.58% |
| ▁▁███▁▁▂ | Net Charge-Off Ratio (%) | 0.20% | 0.23% | 2.20% | 2.08% | 2.31% | 0.36% | 0.39% | 0.70% |
| ▁▁▁▁▁▂▁█ | Tang. Book Value ($M) | $42 | $42 | $41 | $42 | $42 | $43 | $43 | $57 |
| ▁▁▂▃▃▄▅█ | Gross Loans ($M) | $326 | $339 | $352 | $364 | $377 | $378 | $395 | $463 |
| ▁▁▁▂▂▂▃█ | Total Deposits ($M) | $346 | $354 | $362 | $376 | $392 | $387 | $406 | $567 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 87% |
| C&I / Commercial | 5% |
| Agricultural | 7% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 9% |