Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.88% | -0.95 | 3.83% |
| Return on Equity (%) | ▼ | 19.93% | -7.89 | 27.82% |
| Net Interest Margin (%) | ▼ | 5.32% | -0.81 | 6.13% |
| Efficiency Ratio (%) | ▼ | 46.96% | +8.34 | 38.62% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.28 | $1 |
| Cost of Funds (%) | ▼ | 1.22% | +0.00 | 1.22% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $118 | +3.46 | $115 |
| Gross Loans ($M) | ▲ | $66 | +6.58 | $60 |
| Loan Growth YoY (%) | ▲ | 64.61% | +5.28 | 59.33% |
| Total Deposits ($M) | ▲ | $100 | +2.22 | $98 |
| Shareholders Equity ($M) | ▲ | $17 | +1.15 | $16 |
| Tang. Book Value ($M) | ▲ | $16 | +1.15 | $15 |
| Loan / Deposit Ratio (%) | ▲ | 64.61% | +5.28 | 59.33% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.15% | +0.09 | 0.07% |
| Allowance / Loans (%) | — | 2.28% | -0.29% | 2.56% |
| Net Charge-Off Ratio (%) | ▼ | 0.27% | +0.14 | 0.13% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 23.44% | +0.07 | 23.37% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▃▄▄▃▁▁ | Net Interest Margin (%) | 7.24% | 7.09% | 5.99% | 6.13% | 6.05% | 5.93% | 5.26% | 5.32% |
| ██▃▄▄▃▁▁ | Return on Assets (%) | 4.71% | 4.90% | 3.61% | 3.83% | 3.68% | 3.58% | 2.84% | 2.88% |
| ▁▁▄▂▃▄██ | Efficiency Ratio (%) | 36.0% | 36.3% | 41.0% | 38.6% | 40.2% | 41.0% | 47.2% | 47.0% |
| ▁▃▁▅▆█▆▅ | Cost of Funds (%) | 1.12% | 1.16% | 1.11% | 1.22% | 1.24% | 1.29% | 1.23% | 1.22% |
| ▁▁▃▄▄▅▃█ | NPA / Assets (%) | 0.00% | 0.01% | 0.05% | 0.07% | 0.07% | 0.10% | 0.06% | 0.15% |
| ▁▁▃▄▅▅▃█ | Net Charge-Off Ratio (%) | 0.01% | 0.02% | 0.09% | 0.13% | 0.14% | 0.17% | 0.10% | 0.27% |
| ▁▂▃▅▆█▇█ | Tang. Book Value ($M) | $14 | $14 | $15 | $15 | $16 | $17 | $16 | $16 |
| ▅▅▂▁▁▅██ | Gross Loans ($M) | $64 | $64 | $60 | $60 | $59 | $63 | $67 | $66 |
| ▁▁▆▇▆▄██ | Total Deposits ($M) | $87 | $86 | $96 | $98 | $95 | $92 | $100 | $100 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 62% |
| C&I / Commercial | 17% |
| Agricultural | 14% |
| Consumer | 6% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 36% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 6% |