Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.14% | -0.32 | 2.46% |
| Return on Equity (%) | ▼ | 22.75% | -3.74 | 26.49% |
| Net Interest Margin (%) | ▼ | 4.85% | -0.17 | 5.01% |
| Efficiency Ratio (%) | ▼ | 53.05% | +5.12 | 47.93% |
| Pre-Provision Profit ($M) | ▼ | $4 | -0.58 | $4 |
| Cost of Funds (%) | ▼ | 1.72% | +0.13 | 1.59% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $646 | +61.86 | $585 |
| Gross Loans ($M) | ▲ | $549 | +63.11 | $486 |
| Loan Growth YoY (%) | ▼ | 93.62% | -0.64 | 94.26% |
| Total Deposits ($M) | ▲ | $578 | +69.69 | $508 |
| Shareholders Equity ($M) | ▲ | $62 | +8.64 | $53 |
| Tang. Book Value ($M) | ▲ | $62 | +8.64 | $53 |
| TBV excl. AOCI ($M)** | ▲ | $65 | +8.69 | $56 |
| Loan / Deposit Ratio (%) | ▼ | 93.62% | -0.64 | 94.26% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.50% | -0.10 | 0.61% |
| Allowance / Loans (%) | — | 1.49% | 0.04% | 1.46% |
| Net Charge-Off Ratio (%) | ▲ | 0.23% | -0.37 | 0.60% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.05% | +0.46 | 11.59% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂█▇██▃▃ | Net Interest Margin (%) | 4.74% | 4.80% | 5.06% | 5.01% | 5.08% | 5.08% | 4.84% | 4.85% |
| ▃▃▁██▇▂▁ | Return on Assets (%) | 2.27% | 2.25% | 2.18% | 2.46% | 2.50% | 2.44% | 2.20% | 2.14% |
| ▅▇▇▁▁▂██ | Efficiency Ratio (%) | 50.7% | 51.7% | 51.9% | 47.9% | 47.6% | 48.9% | 52.6% | 53.0% |
| ▃▃▁▂█▅▆▆ | Cost of Funds (%) | 1.63% | 1.63% | 1.54% | 1.59% | 1.80% | 1.69% | 1.70% | 1.72% |
| █▅▂▅▆▂▁▂ | NPA / Assets (%) | 0.76% | 0.63% | 0.52% | 0.61% | 0.67% | 0.51% | 0.45% | 0.50% |
| █▃▁▆▂▁▁▂ | Net Charge-Off Ratio (%) | 0.80% | 0.32% | 0.19% | 0.60% | 0.30% | 0.14% | 0.18% | 0.23% |
| ▁▁▂▄▅▆▇█ | Tang. Book Value ($M) | $48 | $49 | $51 | $53 | $56 | $58 | $60 | $62 |
| ▁▁▃▅▆▆██ | Gross Loans ($M) | $406 | $423 | $452 | $486 | $497 | $501 | $535 | $549 |
| ▁▃▄▅▆███ | Total Deposits ($M) | $430 | $473 | $491 | $508 | $538 | $570 | $576 | $578 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 13% |
| Agricultural | 4% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 59% |
| Brokered / Other | 18% |