Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.79% | +0.34 | 1.44% |
| Return on Equity (%) | ▲ | 18.14% | +0.73 | 17.41% |
| Net Interest Margin (%) | ▲ | 2.90% | +0.35 | 2.55% |
| Efficiency Ratio (%) | ▲ | 34.96% | -8.08 | 43.04% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.83 | $2 |
| Cost of Funds (%) | ▲ | 0.90% | -0.17 | 1.07% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $640 | +63.08 | $577 |
| Gross Loans ($M) | ▼ | $98 | -2.25 | $100 |
| Loan Growth YoY (%) | ▼ | 16.47% | -2.41 | 18.88% |
| Total Deposits ($M) | ▲ | $575 | +54.23 | $521 |
| Shareholders Equity ($M) | ▲ | $63 | +8.77 | $54 |
| Tang. Book Value ($M) | ▲ | $63 | +8.77 | $54 |
| TBV excl. AOCI ($M)** | ▲ | $87 | +10.91 | $76 |
| Loan / Deposit Ratio (%) | ▼ | 16.47% | -2.41 | 18.88% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.25% | +0.25 | 0.00% |
| Allowance / Loans (%) | — | 3.38% | 1.42% | 1.96% |
| Net Charge-Off Ratio (%) | ▼ | 1.63% | +1.63 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▃▄██ | Net Interest Margin (%) | 2.43% | 2.43% | 2.47% | 2.55% | 2.56% | 2.64% | 2.88% | 2.90% |
| ▃▃▂▄▁▃██ | Return on Assets (%) | 1.40% | 1.41% | 1.37% | 1.44% | 1.23% | 1.41% | 1.75% | 1.79% |
| █▇██▇▅▁▁ | Efficiency Ratio (%) | 43.1% | 42.7% | 43.9% | 43.0% | 42.7% | 39.9% | 35.5% | 35.0% |
| █▇▄▅▄▁▁▁ | Cost of Funds (%) | 1.19% | 1.13% | 1.03% | 1.07% | 1.04% | 0.92% | 0.89% | 0.90% |
| ▁▁▁▁▇▇▆█ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.21% | 0.21% | 0.17% | 0.25% |
| ▁▁▁▁▇▇▆█ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 1.32% | 1.32% | 1.12% | 1.63% |
| ▇▁▃▅▇███ | Tang. Book Value ($M) | $58 | $42 | $49 | $54 | $59 | $62 | $61 | $63 |
| █▁▇▇▃▆▁▄ | Gross Loans ($M) | $102 | $94 | $101 | $100 | $97 | $100 | $94 | $98 |
| ▁▄▆▃▆▇▆█ | Total Deposits ($M) | $492 | $527 | $548 | $521 | $547 | $561 | $553 | $575 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 54% |
| C&I / Commercial | 27% |
| Agricultural | 16% |
| Consumer | 2% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 6% |