Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.38% | -0.02 | 1.40% |
| Return on Equity (%) | ▼ | 13.07% | -0.32 | 13.39% |
| Net Interest Margin (%) | ▼ | 3.62% | -0.58 | 4.20% |
| Efficiency Ratio (%) | ▼ | 49.47% | +3.57 | 45.90% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.01 | $1 |
| Cost of Funds (%) | ▲ | 1.62% | -0.18 | 1.80% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $167 | +17.06 | $150 |
| Gross Loans ($M) | ▼ | $56 | -2.02 | $58 |
| Loan Growth YoY (%) | ▼ | 37.48% | -5.71 | 43.19% |
| Total Deposits ($M) | ▲ | $147 | +14.98 | $132 |
| Shareholders Equity ($M) | ▲ | $18 | +1.98 | $16 |
| Tang. Book Value ($M) | ▲ | $18 | +1.98 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +2.28 | $17 |
| Loan / Deposit Ratio (%) | ▼ | 37.48% | -5.71 | 43.19% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.57% | -0.24 | 0.81% |
| Allowance / Loans (%) | — | 1.53% | -0.06% | 1.59% |
| Net Charge-Off Ratio (%) | ▲ | 1.71% | -0.39 | 2.10% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▆▆▆▆▁▁ | Net Interest Margin (%) | 4.52% | 4.51% | 4.24% | 4.20% | 4.23% | 4.19% | 3.59% | 3.62% |
| ▇█▁▆▆█▅▅ | Return on Assets (%) | 1.47% | 1.57% | 1.11% | 1.40% | 1.43% | 1.53% | 1.36% | 1.38% |
| ▁▁▂▃▆▅█▆ | Efficiency Ratio (%) | 43.2% | 44.2% | 45.2% | 45.9% | 49.3% | 48.3% | 52.1% | 49.5% |
| █▆▄▃▄▃▁▁ | Cost of Funds (%) | 2.18% | 2.03% | 1.89% | 1.80% | 1.85% | 1.80% | 1.63% | 1.62% |
| ▃█▄▅▂▁▃▁ | NPA / Assets (%) | 0.72% | 1.04% | 0.80% | 0.81% | 0.67% | 0.62% | 0.70% | 0.57% |
| ▁█▄▆▂▁█▂ | Net Charge-Off Ratio (%) | 1.55% | 2.34% | 1.88% | 2.10% | 1.65% | 1.56% | 2.26% | 1.71% |
| ▁▁▂▄▅▆▇█ | Tang. Book Value ($M) | $14 | $15 | $15 | $16 | $16 | $17 | $17 | $18 |
| ██▇▅▇▇▁▃ | Gross Loans ($M) | $64 | $63 | $61 | $58 | $62 | $62 | $52 | $56 |
| ▁▂▂▄▄▅██ | Total Deposits ($M) | $122 | $125 | $128 | $132 | $134 | $138 | $149 | $147 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 24% |
| C&I / Commercial | 9% |
| Agricultural | 54% |
| Consumer | 11% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 9% |