Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.85% | +0.00 | 1.85% |
| Return on Equity (%) | ▼ | 18.42% | -0.34 | 18.76% |
| Net Interest Margin (%) | ▼ | 4.75% | -0.37 | 5.12% |
| Efficiency Ratio (%) | ▲ | 48.18% | -0.51 | 48.69% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.06 | $1 |
| Cost of Funds (%) | ▲ | 0.85% | -0.16 | 1.01% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $153 | +16.98 | $136 |
| Gross Loans ($M) | ▼ | $73 | -4.05 | $77 |
| Loan Growth YoY (%) | ▼ | 52.11% | -10.23 | 62.34% |
| Total Deposits ($M) | ▲ | $137 | +15.86 | $121 |
| Shareholders Equity ($M) | ▲ | $15 | +1.09 | $14 |
| Tang. Book Value ($M) | ▲ | $15 | +1.09 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +2.00 | $16 |
| Loan / Deposit Ratio (%) | ▼ | 52.11% | -10.23 | 62.34% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.11% | -1.47 | 1.57% |
| Allowance / Loans (%) | — | 1.78% | 0.23% | 1.55% |
| Net Charge-Off Ratio (%) | ▲ | 0.22% | -2.57 | 2.79% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 18.55% | +1.39 | 17.16% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▅▅▄▄▁▁ | Net Interest Margin (%) | 5.47% | 5.38% | 5.13% | 5.12% | 5.10% | 5.06% | 4.76% | 4.75% |
| █▁▁▁▂▁▁▂ | Return on Assets (%) | 2.05% | 1.83% | 1.83% | 1.85% | 1.85% | 1.84% | 1.82% | 1.85% |
| ▁▁█▆▆▆█▅ | Efficiency Ratio (%) | 46.8% | 46.6% | 49.3% | 48.7% | 48.4% | 48.7% | 49.5% | 48.2% |
| ██▅▅▅▄▁▁ | Cost of Funds (%) | 1.11% | 1.10% | 1.00% | 1.01% | 1.01% | 0.96% | 0.88% | 0.85% |
| ▂▁▁█▁▁▁▁ | NPA / Assets (%) | 0.34% | 0.18% | 0.14% | 1.57% | 0.27% | 0.14% | 0.11% | 0.11% |
| ▂▁▁█▁▁▁▁ | Net Charge-Off Ratio (%) | 0.57% | 0.31% | 0.24% | 2.79% | 0.47% | 0.27% | 0.23% | 0.22% |
| ▁▁▁▃▆█▄▆ | Tang. Book Value ($M) | $13 | $13 | $13 | $14 | $15 | $16 | $14 | $15 |
| ▄▅█▄▅▆▃▁ | Gross Loans ($M) | $77 | $77 | $81 | $77 | $78 | $79 | $75 | $73 |
| ▁▂▃▃▃▆▇█ | Total Deposits ($M) | $115 | $119 | $122 | $121 | $122 | $129 | $134 | $137 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 47% |
| C&I / Commercial | 19% |
| Agricultural | 34% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 40% |
| Interest-Bearing (core) | 50% |
| Brokered / Other | 11% |