Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.55% | +0.11 | 2.44% |
| Return on Equity (%) | ▲ | 22.60% | +1.51 | 21.09% |
| Net Interest Margin (%) | ▲ | 4.47% | +0.21 | 4.26% |
| Efficiency Ratio (%) | ▲ | 43.55% | -0.39 | 43.94% |
| Pre-Provision Profit ($M) | ▲ | $12 | +1.37 | $10 |
| Cost of Funds (%) | ▲ | 1.43% | -0.24 | 1.67% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $1,774 | +202.10 | $1,572 |
| Gross Loans ($M) | ▲ | $1,378 | +158.95 | $1,219 |
| Loan Growth YoY (%) | ▼ | 87.80% | -0.31 | 88.11% |
| Total Deposits ($M) | ▲ | $1,551 | +184.31 | $1,367 |
| Shareholders Equity ($M) | ▲ | $191 | +9.40 | $182 |
| Tang. Book Value ($M) | ▲ | $190 | +9.40 | $181 |
| TBV excl. AOCI ($M)** | ▲ | $194 | +8.54 | $185 |
| Loan / Deposit Ratio (%) | ▼ | 87.80% | -0.31 | 88.11% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.10% | +0.00 | 0.10% |
| Allowance / Loans (%) | — | 1.20% | -0.04% | 1.24% |
| Net Charge-Off Ratio (%) | ▲ | 0.10% | -0.03 | 0.13% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 14.55% | -1.37 | 15.92% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▃▆▆▇██ | Net Interest Margin (%) | 3.90% | 3.99% | 4.09% | 4.26% | 4.31% | 4.40% | 4.41% | 4.47% |
| ▂▁▁▅▇███ | Return on Assets (%) | 2.35% | 2.32% | 2.31% | 2.44% | 2.50% | 2.54% | 2.55% | 2.55% |
| ▁▄█▅▃▁▄▃ | Efficiency Ratio (%) | 42.6% | 43.6% | 45.3% | 43.9% | 43.5% | 42.7% | 43.8% | 43.6% |
| █▅▃▃▃▃▁▁ | Cost of Funds (%) | 2.14% | 1.87% | 1.69% | 1.67% | 1.65% | 1.62% | 1.44% | 1.43% |
| █▇▁▂▁▂▁▂ | NPA / Assets (%) | 0.18% | 0.16% | 0.10% | 0.10% | 0.10% | 0.10% | 0.09% | 0.10% |
| █▇▃▃▃▃▁▂ | Net Charge-Off Ratio (%) | 0.24% | 0.21% | 0.12% | 0.13% | 0.12% | 0.13% | 0.07% | 0.10% |
| ▁▃▅▄▇▇██ | Tang. Book Value ($M) | $170 | $176 | $181 | $181 | $187 | $188 | $192 | $190 |
| ▁▂▃▃▄▆▇█ | Gross Loans ($M) | $1,144 | $1,188 | $1,220 | $1,219 | $1,235 | $1,305 | $1,340 | $1,378 |
| ▂▁▁▂▃▃▆█ | Total Deposits ($M) | $1,377 | $1,357 | $1,340 | $1,367 | $1,396 | $1,396 | $1,484 | $1,551 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 11% |
| Agricultural | 3% |
| Consumer | 1% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 12% |