Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.12% | -0.05 | 2.17% |
| Return on Equity (%) | ▼ | 22.12% | -6.46 | 28.58% |
| Net Interest Margin (%) | ▲ | 3.92% | +0.10 | 3.83% |
| Efficiency Ratio (%) | ▼ | 49.90% | +2.29 | 47.61% |
| Pre-Provision Profit ($M) | ▼ | $2 | -0.09 | $2 |
| Cost of Funds (%) | ▲ | 1.52% | -0.31 | 1.83% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $294 | -6.28 | $300 |
| Gross Loans ($M) | ▼ | $154 | -4.49 | $159 |
| Loan Growth YoY (%) | ▲ | 57.09% | +0.82 | 56.27% |
| Total Deposits ($M) | ▼ | $265 | -12.11 | $277 |
| Shareholders Equity ($M) | ▲ | $29 | +5.89 | $23 |
| Tang. Book Value ($M) | ▲ | $29 | +5.89 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $34 | +5.52 | $28 |
| Loan / Deposit Ratio (%) | ▲ | 57.09% | +0.82 | 56.27% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.34% | -0.16 | 0.50% |
| Allowance / Loans (%) | — | 1.99% | 0.15% | 1.84% |
| Net Charge-Off Ratio (%) | ▲ | 0.56% | -0.14 | 0.69% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▅██▆█ | Net Interest Margin (%) | 3.69% | 3.70% | 3.74% | 3.83% | 3.92% | 3.95% | 3.88% | 3.92% |
| ▆▂▄▄█▅▁▂ | Return on Assets (%) | 2.21% | 2.12% | 2.16% | 2.17% | 2.27% | 2.19% | 2.09% | 2.12% |
| ▂▅▃▃▁▄██ | Efficiency Ratio (%) | 46.9% | 48.2% | 47.4% | 47.6% | 46.0% | 48.1% | 50.2% | 49.9% |
| █▇▅▄▄▂▁▁ | Cost of Funds (%) | 2.18% | 2.08% | 1.92% | 1.83% | 1.81% | 1.66% | 1.54% | 1.52% |
| ▄▃▃▃▁█▄▂ | NPA / Assets (%) | 0.58% | 0.50% | 0.44% | 0.50% | 0.22% | 1.04% | 0.57% | 0.34% |
| ▄▄▃▃▁█▅▃ | Net Charge-Off Ratio (%) | 0.88% | 0.87% | 0.62% | 0.69% | 0.16% | 1.67% | 0.95% | 0.56% |
| █▁▂▁▆▇██ | Tang. Book Value ($M) | $28 | $23 | $24 | $23 | $27 | $28 | $28 | $29 |
| ▁▃▅▆██▇▃ | Gross Loans ($M) | $150 | $155 | $158 | $159 | $163 | $164 | $161 | $154 |
| ██▆▅▂▁▁▁ | Total Deposits ($M) | $286 | $286 | $280 | $277 | $268 | $264 | $264 | $265 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 61% |
| C&I / Commercial | 19% |
| Agricultural | 18% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 15% |