Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.75% | -0.01 | 0.76% |
| Return on Equity (%) | ▼ | 7.05% | -1.06 | 8.11% |
| Net Interest Margin (%) | ▲ | 2.98% | +0.29 | 2.69% |
| Efficiency Ratio (%) | ▼ | 68.01% | +1.61 | 66.40% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.09 | $1 |
| Cost of Funds (%) | ▲ | 2.04% | -0.16 | 2.19% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $444 | +2.46 | $442 |
| Gross Loans ($M) | ▲ | $248 | +18.28 | $229 |
| Loan Growth YoY (%) | ▲ | 71.21% | +6.61 | 64.61% |
| Total Deposits ($M) | ▼ | $344 | -6.30 | $350 |
| Shareholders Equity ($M) | ▲ | $47 | +5.30 | $42 |
| Tang. Book Value ($M) | ▲ | $47 | +5.30 | $42 |
| TBV excl. AOCI ($M)** | ▲ | $56 | +4.69 | $51 |
| Loan / Deposit Ratio (%) | ▲ | 71.21% | +6.61 | 64.61% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.97% | -0.01 | 0.97% |
| Allowance / Loans (%) | — | 1.16% | -0.25% | 1.41% |
| Net Charge-Off Ratio (%) | ▲ | 1.68% | -0.19 | 1.87% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 24.06% | -0.04 | 24.10% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▄▄▅██ | Net Interest Margin (%) | 2.51% | 2.57% | 2.58% | 2.69% | 2.72% | 2.79% | 2.97% | 2.98% |
| ▁▁▃▇██▅▇ | Return on Assets (%) | 0.56% | 0.57% | 0.63% | 0.76% | 0.79% | 0.80% | 0.70% | 0.75% |
| ██▆▂▁▁▇▄ | Efficiency Ratio (%) | 70.9% | 71.4% | 69.3% | 66.4% | 65.3% | 65.3% | 70.4% | 68.0% |
| ▇█▆▆▇▄▁▂ | Cost of Funds (%) | 2.22% | 2.30% | 2.19% | 2.19% | 2.24% | 2.11% | 1.96% | 2.04% |
| ▁▄▇█▇▆▂█ | NPA / Assets (%) | 0.75% | 0.86% | 0.92% | 0.97% | 0.94% | 0.91% | 0.80% | 0.97% |
| ▁▅██▆▄▁▅ | Net Charge-Off Ratio (%) | 1.48% | 1.69% | 1.86% | 1.87% | 1.75% | 1.61% | 1.44% | 1.68% |
| ▅▁▃▃▆███ | Tang. Book Value ($M) | $45 | $40 | $43 | $42 | $45 | $48 | $47 | $47 |
| ▁▁▁▃▅▅▆█ | Gross Loans ($M) | $221 | $224 | $222 | $229 | $236 | $235 | $238 | $248 |
| ▇▄█▆▅▂▅▁ | Total Deposits ($M) | $351 | $348 | $353 | $350 | $349 | $346 | $349 | $344 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 6% |
| Agricultural | 5% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 23% |