Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.89% | +0.15 | 0.74% |
| Return on Equity (%) | ▲ | 9.32% | +0.60 | 8.72% |
| Net Interest Margin (%) | ▲ | 3.32% | +0.28 | 3.04% |
| Efficiency Ratio (%) | ▲ | 68.51% | -3.81 | 72.33% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.05 | $1 |
| Cost of Funds (%) | ▲ | 1.87% | -0.29 | 2.15% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $242 | +6.11 | $236 |
| Gross Loans ($M) | ▲ | $161 | +14.42 | $147 |
| Loan Growth YoY (%) | ▲ | 80.14% | +4.23 | 75.91% |
| Total Deposits ($M) | ▲ | $200 | +7.85 | $192 |
| Shareholders Equity ($M) | ▲ | $23 | +2.49 | $21 |
| Tang. Book Value ($M) | ▲ | $23 | +2.49 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +2.12 | $25 |
| Loan / Deposit Ratio (%) | ▲ | 80.14% | +4.23 | 75.91% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.62% | +0.77 | 0.84% |
| Allowance / Loans (%) | — | 0.86% | -0.08% | 0.94% |
| Net Charge-Off Ratio (%) | ▼ | 2.42% | +1.07 | 1.35% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▆▆▆██ | Net Interest Margin (%) | 2.46% | 2.54% | 2.92% | 3.04% | 3.07% | 3.11% | 3.38% | 3.32% |
| ▁▂▄▆▆▇██ | Return on Assets (%) | 0.38% | 0.48% | 0.64% | 0.74% | 0.76% | 0.81% | 0.92% | 0.89% |
| █▆▄▃▂▂▁▁ | Efficiency Ratio (%) | 84.4% | 80.1% | 74.9% | 72.3% | 71.8% | 70.1% | 67.8% | 68.5% |
| ██▅▄▄▄▂▁ | Cost of Funds (%) | 2.60% | 2.58% | 2.31% | 2.15% | 2.18% | 2.16% | 1.97% | 1.87% |
| ▁▁▄▄▂▁▁█ | NPA / Assets (%) | 0.15% | 0.17% | 0.70% | 0.84% | 0.46% | 0.15% | 0.12% | 1.62% |
| ▁▁▄▅▂▁▁█ | Net Charge-Off Ratio (%) | 0.24% | 0.27% | 1.16% | 1.35% | 0.73% | 0.24% | 0.18% | 2.42% |
| ▅▁▃▃▇███ | Tang. Book Value ($M) | $21 | $20 | $21 | $21 | $22 | $23 | $23 | $23 |
| ▄▅▁▂▇▇▄█ | Gross Loans ($M) | $153 | $154 | $144 | $147 | $157 | $159 | $152 | $161 |
| ▃▁▁▄▄▆▆█ | Total Deposits ($M) | $189 | $185 | $187 | $192 | $191 | $195 | $195 | $200 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 54% |
| C&I / Commercial | 10% |
| Agricultural | 34% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 40% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 2% |