Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.52% | +0.27 | 1.26% |
| Return on Equity (%) | ▲ | 12.60% | +1.80 | 10.80% |
| Net Interest Margin (%) | ▲ | 4.26% | +0.32 | 3.94% |
| Efficiency Ratio (%) | ▲ | 52.74% | -5.95 | 58.69% |
| Pre-Provision Profit ($M) | ▲ | $6 | +1.36 | $4 |
| Cost of Funds (%) | ▲ | 1.54% | -0.03 | 1.57% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $1,053 | +69.65 | $984 |
| Gross Loans ($M) | ▲ | $730 | +94.89 | $635 |
| Loan Growth YoY (%) | ▲ | 84.66% | +5.48 | 79.18% |
| Total Deposits ($M) | ▲ | $851 | +60.85 | $790 |
| Shareholders Equity ($M) | ▲ | $129 | +10.19 | $118 |
| Tang. Book Value ($M) | ▲ | $113 | +10.26 | $103 |
| TBV excl. AOCI ($M)** | ▲ | $127 | +9.57 | $117 |
| Loan / Deposit Ratio (%) | ▲ | 84.66% | +5.48 | 79.18% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.10% | -0.02 | 0.12% |
| Allowance / Loans (%) | — | 1.25% | -0.18% | 1.42% |
| Net Charge-Off Ratio (%) | ▲ | 0.13% | -0.05 | 0.18% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▆▇█ | Net Interest Margin (%) | 3.51% | 3.55% | 3.85% | 3.94% | 4.00% | 4.06% | 4.17% | 4.26% |
| ▁▁▄▅▆▆▆█ | Return on Assets (%) | 0.90% | 0.88% | 1.16% | 1.26% | 1.30% | 1.29% | 1.34% | 1.52% |
| ██▆▅▄▅▂▁ | Efficiency Ratio (%) | 64.6% | 63.7% | 61.2% | 58.7% | 58.4% | 59.3% | 54.8% | 52.7% |
| █▇▅▃▃▁▁▂ | Cost of Funds (%) | 1.86% | 1.78% | 1.67% | 1.57% | 1.58% | 1.47% | 1.45% | 1.54% |
| ▃▆▁▁█▅▄▁ | NPA / Assets (%) | 0.18% | 0.26% | 0.13% | 0.12% | 0.34% | 0.23% | 0.19% | 0.10% |
| ▄▆▁▂█▅▃▁ | Net Charge-Off Ratio (%) | 0.29% | 0.39% | 0.13% | 0.18% | 0.51% | 0.33% | 0.27% | 0.13% |
| ▁▁▃▄▆█▇█ | Tang. Book Value ($M) | $95 | $94 | $99 | $103 | $108 | $112 | $109 | $113 |
| ▁▃▂▃▄▇██ | Gross Loans ($M) | $589 | $632 | $615 | $635 | $648 | $708 | $716 | $730 |
| ▁▁▂▃▂▅█▇ | Total Deposits ($M) | $761 | $774 | $782 | $790 | $786 | $823 | $871 | $851 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 49% |
| C&I / Commercial | 18% |
| Agricultural | 30% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 4% |
| Interest-Bearing (core) | 84% |
| Brokered / Other | 12% |