Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.73% | -0.04 | 0.77% |
| Return on Equity (%) | ▼ | 8.18% | -1.68 | 9.86% |
| Net Interest Margin (%) | ▲ | 3.55% | +0.33 | 3.22% |
| Efficiency Ratio (%) | ▼ | 76.35% | +1.95 | 74.40% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.12 | $1 |
| Cost of Funds (%) | ▲ | 1.86% | -0.57 | 2.44% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $304 | -23.59 | $328 |
| Gross Loans ($M) | ▼ | $216 | -3.26 | $219 |
| Loan Growth YoY (%) | ▲ | 89.11% | +3.96 | 85.15% |
| Total Deposits ($M) | ▼ | $239 | -14.94 | $254 |
| Shareholders Equity ($M) | ▲ | $29 | +1.96 | $27 |
| Tang. Book Value ($M) | ▲ | $29 | +1.96 | $27 |
| TBV excl. AOCI ($M)** | ▲ | $32 | +1.00 | $31 |
| Loan / Deposit Ratio (%) | ▲ | 89.11% | +3.96 | 85.15% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.28% | +0.28 | 0.00% |
| Allowance / Loans (%) | — | 1.37% | 0.02% | 1.35% |
| Net Charge-Off Ratio (%) | ▼ | 0.40% | +0.40 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▃▁▁▁▂██ | Net Interest Margin (%) | 3.34% | 3.31% | 3.21% | 3.22% | 3.24% | 3.26% | 3.52% | 3.55% |
| ██▃▁▁▁▅▁ | Return on Assets (%) | 1.10% | 1.07% | 0.84% | 0.77% | 0.78% | 0.75% | 0.93% | 0.73% |
| ▁▁▆▇▇█▅█ | Efficiency Ratio (%) | 65.8% | 66.7% | 72.5% | 74.4% | 74.2% | 75.3% | 71.3% | 76.4% |
| █▇▅▇▅▄▁▁ | Cost of Funds (%) | 2.58% | 2.47% | 2.29% | 2.44% | 2.25% | 2.15% | 1.94% | 1.86% |
| ▆▅▁▁▁▁▇█ | NPA / Assets (%) | 0.21% | 0.16% | 0.00% | 0.00% | 0.00% | 0.00% | 0.24% | 0.28% |
| ▇▅▁▁▁▁██ | Net Charge-Off Ratio (%) | 0.31% | 0.24% | 0.00% | 0.00% | 0.00% | 0.00% | 0.35% | 0.40% |
| ▁▂▂▃▅▆█▇ | Tang. Book Value ($M) | $26 | $26 | $26 | $27 | $27 | $28 | $29 | $29 |
| ▇█▆▃▄▃▁▁ | Gross Loans ($M) | $229 | $234 | $227 | $219 | $222 | $219 | $214 | $216 |
| █▆█▅▁▃▃▁ | Total Deposits ($M) | $263 | $257 | $262 | $254 | $241 | $245 | $246 | $239 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 38% |
| C&I / Commercial | 7% |
| Agricultural | 52% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 59% |
| Brokered / Other | 20% |