Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.23% | +0.04 | 1.19% |
| Return on Equity (%) | ▲ | 12.79% | +0.23 | 12.56% |
| Net Interest Margin (%) | ▲ | 4.25% | +0.23 | 4.02% |
| Efficiency Ratio (%) | ▼ | 59.96% | +0.65 | 59.31% |
| Pre-Provision Profit ($M) | ▼ | $6 | -0.08 | $6 |
| Cost of Funds (%) | ▲ | 1.77% | -0.19 | 1.96% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $1,248 | +111.87 | $1,136 |
| Gross Loans ($M) | ▲ | $936 | +52.13 | $884 |
| Loan Growth YoY (%) | ▼ | 86.08% | -4.84 | 90.92% |
| Total Deposits ($M) | ▲ | $1,072 | +111.90 | $960 |
| Shareholders Equity ($M) | ▲ | $119 | +9.81 | $109 |
| Tang. Book Value ($M) | ▲ | $115 | +7.41 | $107 |
| TBV excl. AOCI ($M)** | ▲ | $122 | +7.24 | $115 |
| Loan / Deposit Ratio (%) | ▼ | 86.08% | -4.84 | 90.92% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.44% | -0.16 | 0.60% |
| Allowance / Loans (%) | — | 1.38% | 0.18% | 1.20% |
| Net Charge-Off Ratio (%) | ▲ | 0.57% | -0.13 | 0.70% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▆▇▇██ | Net Interest Margin (%) | 3.64% | 3.70% | 3.88% | 4.02% | 4.12% | 4.14% | 4.21% | 4.25% |
| ▁▂▃▇████ | Return on Assets (%) | 1.00% | 1.04% | 1.08% | 1.19% | 1.22% | 1.23% | 1.20% | 1.23% |
| ██▅▁▁▁▁▁ | Efficiency Ratio (%) | 68.2% | 67.4% | 64.1% | 59.3% | 58.8% | 59.4% | 59.8% | 60.0% |
| █▅▅▄▃▁▁▁ | Cost of Funds (%) | 2.27% | 2.02% | 2.03% | 1.96% | 1.94% | 1.79% | 1.75% | 1.77% |
| ▄▅█▃▂▁▂▁ | NPA / Assets (%) | 0.70% | 0.74% | 0.96% | 0.60% | 0.52% | 0.44% | 0.54% | 0.44% |
| ▅▆█▃▁▁▂▁ | Net Charge-Off Ratio (%) | 0.89% | 0.95% | 1.20% | 0.70% | 0.57% | 0.48% | 0.61% | 0.57% |
| ▁▁▂▄▆▇▇█ | Tang. Book Value ($M) | $102 | $102 | $105 | $107 | $110 | $112 | $113 | $115 |
| ▁▁▂▂▃▆█▇ | Gross Loans ($M) | $863 | $868 | $885 | $884 | $895 | $929 | $953 | $936 |
| ▁▁▃▃▃▄▇█ | Total Deposits ($M) | $912 | $914 | $956 | $960 | $954 | $975 | $1,045 | $1,072 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 58% |
| C&I / Commercial | 19% |
| Agricultural | 15% |
| Consumer | 7% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 16% |