Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.02% | +0.28 | 0.74% |
| Return on Equity (%) | ▲ | 12.09% | +2.43 | 9.66% |
| Net Interest Margin (%) | ▲ | 3.38% | +0.42 | 2.96% |
| Efficiency Ratio (%) | ▲ | 58.96% | -6.27 | 65.23% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.71 | $2 |
| Cost of Funds (%) | ▲ | 1.50% | -0.22 | 1.72% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $736 | +41.68 | $695 |
| Gross Loans ($M) | ▲ | $438 | +23.45 | $415 |
| Loan Growth YoY (%) | ▲ | 74.84% | +0.46 | 74.39% |
| Total Deposits ($M) | ▲ | $578 | +27.23 | $551 |
| Shareholders Equity ($M) | ▲ | $61 | +9.97 | $51 |
| Tang. Book Value ($M) | ▲ | $47 | +10.04 | $37 |
| TBV excl. AOCI ($M)** | ▲ | $57 | +10.66 | $47 |
| Loan / Deposit Ratio (%) | ▲ | 74.84% | +0.46 | 74.39% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.19% | +0.07 | 0.11% |
| Allowance / Loans (%) | — | 1.24% | 0.06% | 1.17% |
| Net Charge-Off Ratio (%) | ▼ | 0.32% | +0.12 | 0.19% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.20% | +0.78 | 13.41% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▅██ | Net Interest Margin (%) | 2.75% | 2.78% | 2.91% | 2.96% | 3.04% | 3.10% | 3.34% | 3.38% |
| ▁▁▂▃▄▄██ | Return on Assets (%) | 0.62% | 0.61% | 0.67% | 0.74% | 0.81% | 0.79% | 1.01% | 1.02% |
| ██▇▅▄▅▁▁ | Efficiency Ratio (%) | 68.4% | 69.2% | 67.6% | 65.2% | 63.1% | 64.6% | 60.1% | 59.0% |
| ██▆▆▇▅▁▁ | Cost of Funds (%) | 1.80% | 1.78% | 1.72% | 1.72% | 1.75% | 1.66% | 1.52% | 1.50% |
| ▆▄▅▁▄▂▇█ | NPA / Assets (%) | 0.17% | 0.15% | 0.15% | 0.11% | 0.15% | 0.13% | 0.17% | 0.19% |
| ▇▄▃▁▄▂▆█ | Net Charge-Off Ratio (%) | 0.30% | 0.25% | 0.23% | 0.19% | 0.25% | 0.21% | 0.28% | 0.32% |
| ▇▃▁▁▅▇██ | Tang. Book Value ($M) | $44 | $40 | $36 | $37 | $43 | $45 | $46 | $47 |
| ▁▃▄▅▅▇██ | Gross Loans ($M) | $389 | $404 | $409 | $415 | $419 | $427 | $438 | $438 |
| ▁▁▄▄▃▁▁█ | Total Deposits ($M) | $534 | $539 | $552 | $551 | $549 | $535 | $539 | $578 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 70% |
| C&I / Commercial | 11% |
| Agricultural | 14% |
| Consumer | 3% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 11% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 15% |