Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.44% | +0.35 | 1.09% |
| Return on Equity (%) | ▲ | 15.76% | +3.81 | 11.95% |
| Net Interest Margin (%) | ▲ | 4.13% | +0.43 | 3.69% |
| Efficiency Ratio (%) | ▲ | 61.91% | -5.92 | 67.83% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.84 | $2 |
| Cost of Funds (%) | ▲ | 2.57% | -0.32 | 2.89% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $658 | +45.54 | $612 |
| Gross Loans ($M) | ▲ | $563 | +35.58 | $527 |
| Loan Growth YoY (%) | ▼ | 96.99% | -1.16 | 98.14% |
| Total Deposits ($M) | ▲ | $572 | +41.16 | $531 |
| Shareholders Equity ($M) | ▲ | $61 | +5.47 | $55 |
| Tang. Book Value ($M) | ▲ | $61 | +5.47 | $55 |
| TBV excl. AOCI ($M)** | ▲ | $62 | +5.46 | $56 |
| Loan / Deposit Ratio (%) | ▼ | 96.99% | -1.16 | 98.14% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.59% | +0.32 | 1.27% |
| Allowance / Loans (%) | — | 1.35% | 0.25% | 1.10% |
| Net Charge-Off Ratio (%) | ▲ | 0.99% | -0.03 | 1.03% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▄▅▇█ | Net Interest Margin (%) | 3.50% | 3.49% | 3.56% | 3.69% | 3.77% | 3.85% | 4.02% | 4.13% |
| ▁▁▁▂▃▂▇█ | Return on Assets (%) | 1.01% | 1.00% | 1.01% | 1.09% | 1.12% | 1.10% | 1.34% | 1.44% |
| ██▆▅▅▄▁▁ | Efficiency Ratio (%) | 72.9% | 71.8% | 68.8% | 67.8% | 67.7% | 66.8% | 63.2% | 61.9% |
| ██▅▆▅▄▂▁ | Cost of Funds (%) | 3.05% | 3.04% | 2.85% | 2.89% | 2.84% | 2.78% | 2.64% | 2.57% |
| ▄█▅▁▂▁▄▄ | NPA / Assets (%) | 1.57% | 2.13% | 1.72% | 1.27% | 1.38% | 1.19% | 1.58% | 1.59% |
| ▅█▅▁▁▁▄▁ | Net Charge-Off Ratio (%) | 1.59% | 2.24% | 1.66% | 1.03% | 1.03% | 0.90% | 1.41% | 0.99% |
| ▁▂▃▃▄▇▆█ | Tang. Book Value ($M) | $52 | $53 | $55 | $55 | $56 | $59 | $58 | $61 |
| ▁▂▃▄▆███ | Gross Loans ($M) | $505 | $512 | $520 | $527 | $545 | $559 | $559 | $563 |
| ▁▂▃▄▆▇▇█ | Total Deposits ($M) | $491 | $506 | $515 | $531 | $542 | $556 | $561 | $572 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 13% |
| Agricultural | 2% |
| Consumer | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 11% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 20% |