Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.39% | +0.15 | 1.24% |
| Return on Equity (%) | ▲ | 12.89% | +1.23 | 11.66% |
| Net Interest Margin (%) | ▲ | 3.73% | +0.12 | 3.62% |
| Efficiency Ratio (%) | ▲ | 62.08% | -3.50 | 65.59% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.10 | $0 |
| Cost of Funds (%) | ▼ | 1.89% | +0.07 | 1.82% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $150 | +10.55 | $140 |
| Gross Loans ($M) | ▲ | $113 | +7.44 | $105 |
| Loan Growth YoY (%) | ▼ | 84.44% | -0.21 | 84.65% |
| Total Deposits ($M) | ▲ | $132 | +9.06 | $123 |
| Shareholders Equity ($M) | ▲ | $16 | +1.37 | $15 |
| Tang. Book Value ($M) | ▲ | $16 | +1.37 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +1.50 | $16 |
| Loan / Deposit Ratio (%) | ▼ | 84.44% | -0.21 | 84.65% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.09% | -0.01 | 0.10% |
| Allowance / Loans (%) | — | 1.24% | -0.05% | 1.29% |
| Net Charge-Off Ratio (%) | ▲ | 0.13% | -0.01 | 0.14% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 15.11% | -0.14 | 15.26% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▆▆▇▇██ | Net Interest Margin (%) | 3.26% | 3.30% | 3.56% | 3.62% | 3.64% | 3.65% | 3.70% | 3.73% |
| ▁▁▄▆▅▆▇█ | Return on Assets (%) | 0.95% | 0.98% | 1.16% | 1.24% | 1.20% | 1.25% | 1.30% | 1.39% |
| ██▅▃▃▂▂▁ | Efficiency Ratio (%) | 71.6% | 71.0% | 67.2% | 65.6% | 65.2% | 64.5% | 63.9% | 62.1% |
| ▆▆▁▂▅█▄▅ | Cost of Funds (%) | 1.94% | 1.92% | 1.76% | 1.82% | 1.91% | 2.01% | 1.87% | 1.89% |
| ▃▁▁▅█▇▆▄ | NPA / Assets (%) | 0.08% | 0.07% | 0.06% | 0.10% | 0.14% | 0.12% | 0.12% | 0.09% |
| ▃▁▁▅█▇▇▄ | Net Charge-Off Ratio (%) | 0.11% | 0.08% | 0.07% | 0.14% | 0.18% | 0.16% | 0.15% | 0.13% |
| ▂▁▂▄▆▇▇█ | Tang. Book Value ($M) | $14 | $14 | $14 | $15 | $15 | $16 | $16 | $16 |
| ▁▃▅▄▄███ | Gross Loans ($M) | $97 | $102 | $106 | $105 | $105 | $114 | $113 | $113 |
| ▁▁▅▅▄▆██ | Total Deposits ($M) | $106 | $109 | $122 | $123 | $119 | $125 | $133 | $132 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 64% |
| C&I / Commercial | 15% |
| Agricultural | 18% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 12% |