Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.16% | -0.11 | 1.26% |
| Return on Equity (%) | ▼ | 10.61% | -1.39 | 12.00% |
| Net Interest Margin (%) | ▲ | 3.92% | +0.12 | 3.79% |
| Efficiency Ratio (%) | ▼ | 62.38% | +0.70 | 61.68% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.18 | $2 |
| Cost of Funds (%) | ▲ | 1.38% | -0.04 | 1.42% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $589 | +20.84 | $569 |
| Gross Loans ($M) | ▲ | $376 | +17.33 | $359 |
| Loan Growth YoY (%) | ▲ | 71.26% | +0.66 | 70.59% |
| Total Deposits ($M) | ▲ | $520 | +17.95 | $502 |
| Shareholders Equity ($M) | ▲ | $64 | +2.99 | $61 |
| Tang. Book Value ($M) | ▲ | $64 | +2.99 | $61 |
| TBV excl. AOCI ($M)** | ▲ | $71 | +3.18 | $68 |
| Loan / Deposit Ratio (%) | ▲ | 71.26% | +0.66 | 70.59% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.41% | +0.18 | 0.23% |
| Allowance / Loans (%) | — | 1.47% | 0.27% | 1.21% |
| Net Charge-Off Ratio (%) | ▼ | 0.64% | +0.28 | 0.36% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▄██▃█ | Net Interest Margin (%) | 3.67% | 3.69% | 3.73% | 3.79% | 3.91% | 3.95% | 3.77% | 3.92% |
| ▇▆▃▅██▁▃ | Return on Assets (%) | 1.33% | 1.30% | 1.18% | 1.26% | 1.41% | 1.42% | 1.07% | 1.16% |
| ▆▆▇▆▂▁█▇ | Efficiency Ratio (%) | 61.8% | 61.6% | 62.3% | 61.7% | 59.4% | 58.5% | 63.3% | 62.4% |
| ▅▆▅▇█▆▁▄ | Cost of Funds (%) | 1.39% | 1.40% | 1.39% | 1.42% | 1.43% | 1.40% | 1.33% | 1.38% |
| ▅▁▁▅▁▁▂█ | NPA / Assets (%) | 0.24% | 0.06% | 0.02% | 0.23% | 0.04% | 0.01% | 0.06% | 0.41% |
| ▂▁▁▅▁▁▂█ | Net Charge-Off Ratio (%) | 0.13% | 0.10% | 0.03% | 0.36% | 0.07% | 0.02% | 0.10% | 0.64% |
| ▁▁▂▄▆██▆ | Tang. Book Value ($M) | $58 | $58 | $59 | $61 | $64 | $66 | $66 | $64 |
| ▃▁▃▆█▆▆█ | Gross Loans ($M) | $344 | $324 | $342 | $359 | $378 | $362 | $365 | $376 |
| ▁▂▃▃▅▆█▅ | Total Deposits ($M) | $488 | $500 | $502 | $502 | $516 | $524 | $543 | $520 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 67% |
| C&I / Commercial | 16% |
| Agricultural | 12% |
| Consumer | 3% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 35% |
| Interest-Bearing (core) | 52% |
| Brokered / Other | 13% |