Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.12% | +0.48 | 0.64% |
| Return on Equity (%) | ▲ | 12.73% | +3.23 | 9.50% |
| Net Interest Margin (%) | ▲ | 3.49% | +0.49 | 2.99% |
| Efficiency Ratio (%) | ▲ | 69.81% | -13.20 | 83.01% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.49 | $1 |
| Cost of Funds (%) | ▲ | 1.91% | -0.30 | 2.21% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $446 | -11.25 | $458 |
| Gross Loans ($M) | ▼ | $266 | -2.67 | $269 |
| Loan Growth YoY (%) | ▼ | 65.23% | -5.56 | 70.79% |
| Total Deposits ($M) | ▲ | $404 | +27.83 | $376 |
| Shareholders Equity ($M) | ▲ | $41 | +8.74 | $32 |
| Tang. Book Value ($M) | ▲ | $41 | +8.74 | $32 |
| TBV excl. AOCI ($M)** | ▲ | $47 | +7.45 | $39 |
| Loan / Deposit Ratio (%) | ▼ | 65.23% | -5.56 | 70.79% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.58% | +0.56 | 1.03% |
| Allowance / Loans (%) | — | 1.10% | 0.04% | 1.06% |
| Net Charge-Off Ratio (%) | ▼ | 2.65% | +0.95 | 1.70% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆██ | Net Interest Margin (%) | 2.66% | 2.70% | 2.87% | 2.99% | 3.15% | 3.23% | 3.51% | 3.49% |
| ▂▂▁▄▆▆██ | Return on Assets (%) | 0.50% | 0.51% | 0.31% | 0.64% | 0.83% | 0.88% | 1.10% | 1.12% |
| ▆▅█▇▄▃▁▁ | Efficiency Ratio (%) | 80.8% | 79.3% | 87.2% | 83.0% | 76.8% | 75.2% | 70.6% | 69.8% |
| ██▇▇▇▄▁▂ | Cost of Funds (%) | 2.34% | 2.29% | 2.22% | 2.21% | 2.21% | 2.03% | 1.81% | 1.91% |
| ▁▃▇▃▁▆▅█ | NPA / Assets (%) | 0.83% | 1.03% | 1.47% | 1.03% | 0.81% | 1.33% | 1.23% | 1.58% |
| ▁▂▆▄▂▆▅█ | Net Charge-Off Ratio (%) | 1.08% | 1.40% | 2.19% | 1.70% | 1.29% | 2.14% | 2.00% | 2.65% |
| ▂▁▁▂▅▇▇█ | Tang. Book Value ($M) | $32 | $30 | $31 | $32 | $36 | $38 | $39 | $41 |
| ▁▄▅▇██▇▆ | Gross Loans ($M) | $248 | $260 | $264 | $269 | $274 | $276 | $270 | $266 |
| ▁▁▂▂▃██▇ | Total Deposits ($M) | $369 | $373 | $378 | $376 | $383 | $410 | $407 | $404 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 75% |
| C&I / Commercial | 8% |
| Agricultural | 14% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 8% |