Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.25% | +0.29 | 0.96% |
| Return on Equity (%) | ▲ | 7.65% | +1.56 | 6.09% |
| Net Interest Margin (%) | ▲ | 3.46% | +0.57 | 2.89% |
| Efficiency Ratio (%) | ▲ | 50.28% | -5.21 | 55.49% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.11 | $0 |
| Cost of Funds (%) | ▲ | 1.49% | -0.31 | 1.80% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $121 | +3.77 | $117 |
| Gross Loans ($M) | ▲ | $74 | +4.57 | $69 |
| Loan Growth YoY (%) | ▲ | 72.12% | +2.72 | 69.40% |
| Total Deposits ($M) | ▲ | $101 | +2.43 | $99 |
| Shareholders Equity ($M) | ▲ | $20 | +1.32 | $18 |
| Tang. Book Value ($M) | ▲ | $20 | +1.32 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +1.44 | $20 |
| Loan / Deposit Ratio (%) | ▲ | 72.12% | +2.72 | 69.40% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.11% | -0.03 | 0.14% |
| Allowance / Loans (%) | — | 1.22% | 0.11% | 1.11% |
| Net Charge-Off Ratio (%) | ▲ | 0.18% | -0.05 | 0.23% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 29.84% | +0.75 | 29.09% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆██ | Net Interest Margin (%) | 2.29% | 2.35% | 2.80% | 2.89% | 2.98% | 3.05% | 3.42% | 3.46% |
| ▁▁▅▅▆▅██ | Return on Assets (%) | 0.44% | 0.45% | 0.95% | 0.96% | 1.02% | 0.92% | 1.29% | 1.25% |
| ██▃▂▂▂▁▁ | Efficiency Ratio (%) | 71.5% | 72.2% | 58.2% | 55.5% | 55.3% | 55.8% | 50.3% | 50.3% |
| ██▆▅▄▂▁▁ | Cost of Funds (%) | 2.07% | 2.06% | 1.91% | 1.80% | 1.76% | 1.59% | 1.49% | 1.49% |
| ▇▇█▂▁▁▁▁ | NPA / Assets (%) | 0.46% | 0.46% | 0.53% | 0.14% | 0.09% | 0.06% | 0.06% | 0.11% |
| ▇▇█▂▁▁▁▁ | Net Charge-Off Ratio (%) | 0.78% | 0.78% | 0.89% | 0.23% | 0.16% | 0.10% | 0.10% | 0.18% |
| ▁▁▂▄▆▆▇█ | Tang. Book Value ($M) | $18 | $18 | $18 | $18 | $19 | $19 | $19 | $20 |
| ▁▂▃▄▅▇▇█ | Gross Loans ($M) | $65 | $66 | $68 | $69 | $70 | $72 | $72 | $74 |
| ▁▁▂▆▇▄▅█ | Total Deposits ($M) | $93 | $94 | $95 | $99 | $100 | $97 | $98 | $101 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 61% |
| C&I / Commercial | 9% |
| Agricultural | 6% |
| Consumer | 23% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 17% |