Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.81% | +0.10 | 0.71% |
| Return on Equity (%) | ▲ | 10.38% | +0.84 | 9.54% |
| Net Interest Margin (%) | ▲ | 4.01% | +0.44 | 3.57% |
| Efficiency Ratio (%) | ▲ | 71.03% | -0.02 | 71.06% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.24 | $2 |
| Cost of Funds (%) | ▲ | 1.71% | -0.29 | 2.00% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $791 | +58.92 | $732 |
| Gross Loans ($M) | ▲ | $550 | +29.12 | $520 |
| Loan Growth YoY (%) | ▼ | 80.87% | -1.89 | 82.76% |
| Total Deposits ($M) | ▲ | $670 | +49.48 | $621 |
| Shareholders Equity ($M) | ▲ | $60 | +6.14 | $54 |
| Tang. Book Value ($M) | ▲ | $59 | +6.26 | $53 |
| TBV excl. AOCI ($M)** | ▲ | $67 | +6.26 | $61 |
| Loan / Deposit Ratio (%) | ▼ | 80.87% | -1.89 | 82.76% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.61% | -0.33 | 0.94% |
| Allowance / Loans (%) | — | 1.40% | 0.08% | 1.32% |
| Net Charge-Off Ratio (%) | ▲ | 0.87% | -0.39 | 1.26% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 11.49% | +0.40 | 11.09% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▃▅▇█ | Net Interest Margin (%) | 3.28% | 3.33% | 3.52% | 3.57% | 3.54% | 3.71% | 3.92% | 4.01% |
| ▁▂▁▃▄█▇█ | Return on Assets (%) | 0.66% | 0.68% | 0.65% | 0.71% | 0.73% | 0.82% | 0.80% | 0.81% |
| █▆█▅▅▁▅▅ | Efficiency Ratio (%) | 72.7% | 71.7% | 73.0% | 71.1% | 71.2% | 68.6% | 71.0% | 71.0% |
| █▆▅▄▇▄▂▁ | Cost of Funds (%) | 2.31% | 2.13% | 2.02% | 2.00% | 2.21% | 1.94% | 1.80% | 1.71% |
| █▇▃██▇▆▁ | NPA / Assets (%) | 0.90% | 0.88% | 0.71% | 0.94% | 0.94% | 0.87% | 0.82% | 0.61% |
| █▇▃██▅▄▁ | Net Charge-Off Ratio (%) | 1.29% | 1.22% | 0.99% | 1.26% | 1.24% | 1.12% | 1.03% | 0.87% |
| ▁▁▃▄▆█▇█ | Tang. Book Value ($M) | $50 | $49 | $52 | $53 | $56 | $58 | $58 | $59 |
| ▁▁▂▄▅███ | Gross Loans ($M) | $491 | $494 | $500 | $520 | $528 | $552 | $555 | $550 |
| ▂▁▁▄▃▄▄█ | Total Deposits ($M) | $602 | $583 | $591 | $621 | $612 | $616 | $623 | $670 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 57% |
| C&I / Commercial | 25% |
| Agricultural | 17% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 15% |