Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.25% | +0.21 | 2.05% |
| Return on Equity (%) | ▲ | 12.05% | +1.47 | 10.58% |
| Net Interest Margin (%) | ▲ | 4.17% | +0.12 | 4.05% |
| Efficiency Ratio (%) | ▲ | 45.27% | -0.52 | 45.79% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.18 | $1 |
| Cost of Funds (%) | ▲ | 2.01% | -0.30 | 2.31% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $183 | +7.94 | $175 |
| Gross Loans ($M) | ▼ | $140 | -2.86 | $143 |
| Loan Growth YoY (%) | ▼ | 91.78% | -7.13 | 98.91% |
| Total Deposits ($M) | ▲ | $147 | +7.78 | $139 |
| Shareholders Equity ($M) | ▲ | $34 | +0.19 | $34 |
| Tang. Book Value ($M) | ▲ | $34 | +0.19 | $34 |
| TBV excl. AOCI ($M)** | ▲ | $36 | +0.66 | $35 |
| Loan / Deposit Ratio (%) | ▼ | 91.78% | -7.13 | 98.91% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.03% | -0.04 | 0.06% |
| Allowance / Loans (%) | — | 3.66% | 0.01% | 3.66% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▄▃▃▆█ | Net Interest Margin (%) | 3.98% | 4.01% | 4.07% | 4.05% | 4.03% | 4.04% | 4.11% | 4.17% |
| ▁▄▁▂▁▃▄█ | Return on Assets (%) | 2.00% | 2.12% | 1.99% | 2.05% | 1.98% | 2.07% | 2.12% | 2.25% |
| ▄▁▄▂▅▂█▁ | Efficiency Ratio (%) | 47.4% | 44.7% | 46.8% | 45.8% | 47.6% | 45.6% | 50.2% | 45.3% |
| ▂▃▁█▅█▃▁ | Cost of Funds (%) | 2.08% | 2.12% | 2.02% | 2.31% | 2.20% | 2.35% | 2.12% | 2.01% |
| ▁▂█▄██▅▁ | NPA / Assets (%) | 0.03% | 0.05% | 0.11% | 0.06% | 0.11% | 0.11% | 0.07% | 0.03% |
| ▁▃▇▁██▁▁ | Net Charge-Off Ratio (%) | 0.01% | 0.02% | 0.06% | 0.00% | 0.07% | 0.07% | 0.00% | 0.00% |
| ▅▁▅▄█▂▆▆ | Tang. Book Value ($M) | $34 | $34 | $34 | $34 | $34 | $34 | $34 | $34 |
| ▄▄█▄▅▂▁▁ | Gross Loans ($M) | $142 | $143 | $146 | $143 | $143 | $141 | $141 | $140 |
| ▂▁▅▃█▇▇█ | Total Deposits ($M) | $137 | $134 | $142 | $139 | $149 | $146 | $146 | $147 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 4% |
| Agricultural | 2% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 10% |
| Interest-Bearing (core) | 79% |
| Brokered / Other | 11% |