Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.71% | +0.07 | 1.64% |
| Return on Equity (%) | ▼ | 11.90% | -0.32 | 12.22% |
| Net Interest Margin (%) | ▲ | 3.31% | +0.04 | 3.27% |
| Efficiency Ratio (%) | ▼ | 49.19% | +0.32 | 48.87% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.10 | $1 |
| Cost of Funds (%) | ▲ | 1.83% | -0.14 | 1.97% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $213 | +22.13 | $191 |
| Gross Loans ($M) | ▲ | $99 | +4.75 | $95 |
| Loan Growth YoY (%) | ▼ | 53.65% | -3.37 | 57.03% |
| Total Deposits ($M) | ▲ | $181 | +18.74 | $162 |
| Shareholders Equity ($M) | ▲ | $30 | +3.46 | $27 |
| Tang. Book Value ($M) | ▲ | $30 | +3.46 | $27 |
| TBV excl. AOCI ($M)** | ▲ | $35 | +4.08 | $31 |
| Loan / Deposit Ratio (%) | ▼ | 53.65% | -3.37 | 57.03% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.17% | +0.17 | 0.00% |
| Allowance / Loans (%) | — | 2.20% | 0.07% | 2.13% |
| Net Charge-Off Ratio (%) | ▼ | 0.36% | +0.36 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆▇██▇█ | Net Interest Margin (%) | 2.80% | 2.89% | 3.15% | 3.27% | 3.34% | 3.35% | 3.26% | 3.31% |
| ▁▂█▇▇███ | Return on Assets (%) | 1.35% | 1.40% | 1.71% | 1.64% | 1.65% | 1.71% | 1.68% | 1.71% |
| █▆▁▁▁▁▃▁ | Efficiency Ratio (%) | 55.7% | 53.5% | 48.5% | 48.9% | 48.4% | 48.7% | 51.1% | 49.2% |
| █▅▃▃▁▁▁▁ | Cost of Funds (%) | 2.31% | 2.11% | 1.96% | 1.97% | 1.86% | 1.87% | 1.88% | 1.83% |
| ▁▁▁▁▁▁▂█ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.01% | 0.02% | 0.17% |
| ▁▁▁▁▁▁▂█ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.03% | 0.05% | 0.36% |
| ▃▁▃▄▇███ | Tang. Book Value ($M) | $26 | $24 | $26 | $27 | $29 | $29 | $30 | $30 |
| ▁▃▆▆█▆▄█ | Gross Loans ($M) | $85 | $90 | $94 | $95 | $98 | $95 | $92 | $99 |
| ▁▂▄▃▄▆▆█ | Total Deposits ($M) | $155 | $161 | $166 | $162 | $167 | $174 | $174 | $181 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 48% |
| C&I / Commercial | 16% |
| Agricultural | 23% |
| Consumer | 13% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 45% |
| Brokered / Other | 34% |