Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.36% | +0.68 | 1.67% |
| Return on Equity (%) | ▲ | 23.12% | +6.35 | 16.77% |
| Net Interest Margin (%) | ▲ | 4.99% | +0.34 | 4.65% |
| Efficiency Ratio (%) | ▲ | 52.85% | -9.70 | 62.55% |
| Pre-Provision Profit ($M) | ▲ | $6 | +2.20 | $4 |
| Cost of Funds (%) | ▲ | 2.01% | -0.46 | 2.46% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $1,026 | +130.92 | $895 |
| Gross Loans ($M) | ▲ | $809 | +98.92 | $710 |
| Loan Growth YoY (%) | ▼ | 87.73% | -1.73 | 89.46% |
| Total Deposits ($M) | ▲ | $912 | +128.02 | $784 |
| Shareholders Equity ($M) | ▲ | $105 | +13.77 | $91 |
| Tang. Book Value ($M) | ▲ | $105 | +13.77 | $91 |
| TBV excl. AOCI ($M)** | ▲ | $109 | +13.27 | $96 |
| Loan / Deposit Ratio (%) | ▼ | 87.73% | -1.73 | 89.46% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.36% | -0.26 | 0.63% |
| Allowance / Loans (%) | — | 1.08% | -0.13% | 1.21% |
| Net Charge-Off Ratio (%) | ▲ | 0.26% | -0.52 | 0.79% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▂▁▃▅▇▇█ | Net Interest Margin (%) | 4.56% | 4.55% | 4.47% | 4.65% | 4.79% | 4.89% | 4.90% | 4.99% |
| ▂▂▁▁▃▄██ | Return on Assets (%) | 1.78% | 1.78% | 1.67% | 1.67% | 1.87% | 2.00% | 2.28% | 2.36% |
| ▄▅██▆▅▁▁ | Efficiency Ratio (%) | 57.6% | 58.3% | 62.4% | 62.5% | 59.8% | 58.0% | 53.7% | 52.9% |
| ██▆▆▄▃▂▁ | Cost of Funds (%) | 2.63% | 2.59% | 2.41% | 2.46% | 2.31% | 2.18% | 2.12% | 2.01% |
| ▂▁▁███▄▄ | NPA / Assets (%) | 0.22% | 0.12% | 0.14% | 0.63% | 0.69% | 0.70% | 0.38% | 0.36% |
| ▂▁▁▇██▄▂ | Net Charge-Off Ratio (%) | 0.28% | 0.16% | 0.18% | 0.79% | 0.90% | 0.87% | 0.49% | 0.26% |
| ▁▂▂▂▄▇▇█ | Tang. Book Value ($M) | $88 | $91 | $91 | $91 | $96 | $101 | $102 | $105 |
| ▁▁▂▃▅▇▇█ | Gross Loans ($M) | $659 | $665 | $691 | $710 | $744 | $777 | $784 | $809 |
| ▁▄▄▂▅▇██ | Total Deposits ($M) | $749 | $824 | $823 | $784 | $834 | $872 | $905 | $912 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 73% |
| C&I / Commercial | 20% |
| Agricultural | 2% |
| Consumer | 2% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 49% |
| Brokered / Other | 28% |