Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.60% | +0.29 | 0.31% |
| Return on Equity (%) | ▲ | 4.48% | +2.46 | 2.02% |
| Net Interest Margin (%) | ▲ | 3.43% | +0.14 | 3.29% |
| Efficiency Ratio (%) | ▲ | 79.89% | -9.47 | 89.35% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.20 | $1 |
| Cost of Funds (%) | ▲ | 1.67% | -0.13 | 1.80% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $657 | +33.96 | $624 |
| Gross Loans ($M) | ▲ | $342 | +27.31 | $315 |
| Loan Growth YoY (%) | ▲ | 68.62% | +1.11 | 67.50% |
| Total Deposits ($M) | ▲ | $492 | +32.35 | $459 |
| Shareholders Equity ($M) | ▼ | $87 | -3.01 | $90 |
| Tang. Book Value ($M) | ▼ | $83 | -3.01 | $86 |
| TBV excl. AOCI ($M)** | ▼ | $95 | -2.54 | $98 |
| Loan / Deposit Ratio (%) | ▲ | 68.62% | +1.11 | 67.50% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.04% | -0.12 | 0.16% |
| Allowance / Loans (%) | — | 1.32% | -0.11% | 1.43% |
| Net Charge-Off Ratio (%) | ▲ | 0.04% | -0.27 | 0.31% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 26.56% | -4.31 | 30.88% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▃▄▅▅█ | Net Interest Margin (%) | 3.45% | 3.43% | 3.21% | 3.29% | 3.31% | 3.34% | 3.36% | 3.43% |
| ▆█▁▂▅▆▅▄ | Return on Assets (%) | 0.75% | 1.08% | 0.11% | 0.31% | 0.64% | 0.81% | 0.69% | 0.60% |
| ▂▁█▇▃▂▄▄ | Efficiency Ratio (%) | 71.6% | 64.5% | 96.7% | 89.4% | 76.6% | 71.9% | 79.3% | 79.9% |
| ▁▃▄██▇▇▆ | Cost of Funds (%) | 1.27% | 1.46% | 1.49% | 1.80% | 1.77% | 1.71% | 1.70% | 1.67% |
| ▃▃▆█▁▂▁▁ | NPA / Assets (%) | 0.07% | 0.06% | 0.11% | 0.16% | 0.03% | 0.06% | 0.03% | 0.04% |
| ▃▃▆█▁▃▁▁ | Net Charge-Off Ratio (%) | 0.13% | 0.12% | 0.22% | 0.31% | 0.06% | 0.12% | 0.05% | 0.04% |
| ▆▅▅▃█▁▁▁ | Tang. Book Value ($M) | $88 | $87 | $87 | $86 | $91 | $83 | $83 | $83 |
| ▁▃▃▄▅▇██ | Gross Loans ($M) | $290 | $303 | $303 | $315 | $320 | $334 | $338 | $342 |
| ▁▃▅▆████ | Total Deposits ($M) | $363 | $397 | $431 | $459 | $482 | $497 | $485 | $492 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 10% |
| Agricultural | 5% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 20% |