Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.33% | +0.39 | 0.94% |
| Return on Equity (%) | ▲ | 13.92% | +2.77 | 11.15% |
| Net Interest Margin (%) | ▲ | 4.19% | +0.44 | 3.75% |
| Efficiency Ratio (%) | ▲ | 57.67% | -9.80 | 67.47% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.33 | $0 |
| Cost of Funds (%) | ▲ | 1.71% | -0.31 | 2.02% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $152 | +14.46 | $138 |
| Gross Loans ($M) | ▲ | $116 | +5.83 | $110 |
| Loan Growth YoY (%) | ▼ | 89.35% | -5.10 | 94.45% |
| Total Deposits ($M) | ▲ | $128 | +13.01 | $115 |
| Shareholders Equity ($M) | ▲ | $15 | +1.66 | $13 |
| Tang. Book Value ($M) | ▲ | $14 | +1.56 | $13 |
| Loan / Deposit Ratio (%) | ▼ | 89.35% | -5.10 | 94.45% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.32% | +0.32 | 0.00% |
| Allowance / Loans (%) | — | 1.02% | 0.01% | 1.01% |
| Net Charge-Off Ratio (%) | ▼ | 0.42% | +0.42 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▃▁▂▄▅██ | Net Interest Margin (%) | 3.77% | 3.78% | 3.61% | 3.75% | 3.83% | 3.97% | 4.18% | 4.19% |
| ▁▁▆▅▅▆██ | Return on Assets (%) | 0.55% | 0.56% | 1.13% | 0.94% | 0.98% | 1.09% | 1.33% | 1.33% |
| ██▂▄▃▂▂▁ | Efficiency Ratio (%) | 78.7% | 79.4% | 63.0% | 67.5% | 64.0% | 62.4% | 61.1% | 57.7% |
| ██▇█▄▃▁▁ | Cost of Funds (%) | 2.02% | 1.99% | 1.95% | 2.02% | 1.87% | 1.82% | 1.73% | 1.71% |
| ▁▁▁▁▁▂▁█ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.06% | 0.00% | 0.32% |
| ▁▁▁▁▁▂▁█ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.07% | 0.00% | 0.42% |
| ▁▁▁▅▆▇▇█ | Tang. Book Value ($M) | $11 | $11 | $11 | $13 | $13 | $14 | $14 | $14 |
| ▁▁▁▃▆█▇▇ | Gross Loans ($M) | $107 | $107 | $107 | $110 | $115 | $118 | $116 | $116 |
| ▁▁▄▁▅▄▅█ | Total Deposits ($M) | $114 | $115 | $119 | $115 | $121 | $120 | $123 | $128 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 82% |
| C&I / Commercial | 10% |
| Agricultural | 6% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 14% |