Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.32% | +0.23 | 1.09% |
| Return on Equity (%) | ▼ | 18.20% | -1.88 | 20.08% |
| Net Interest Margin (%) | ▲ | 3.68% | +0.34 | 3.35% |
| Efficiency Ratio (%) | ▲ | 56.54% | -4.82 | 61.36% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.26 | $1 |
| Cost of Funds (%) | ▼ | 0.71% | +0.02 | 0.69% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $324 | -0.51 | $324 |
| Gross Loans ($M) | ▲ | $154 | +25.71 | $128 |
| Loan Growth YoY (%) | ▲ | 51.07% | +9.51 | 41.56% |
| Total Deposits ($M) | ▼ | $299 | -6.51 | $305 |
| Shareholders Equity ($M) | ▲ | $24 | +6.13 | $18 |
| Tang. Book Value ($M) | ▲ | $24 | +6.13 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +5.81 | $25 |
| Loan / Deposit Ratio (%) | ▲ | 51.07% | +9.51 | 41.56% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.38% | -0.07 | 0.45% |
| Allowance / Loans (%) | — | 0.82% | -0.14% | 0.95% |
| Net Charge-Off Ratio (%) | ▲ | 0.81% | -0.34 | 1.15% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -20.12 | 20.12% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▅▅▆▇█ | Net Interest Margin (%) | 2.95% | 3.06% | 3.25% | 3.35% | 3.36% | 3.44% | 3.51% | 3.68% |
| ▁▂▃▅▅▆▇█ | Return on Assets (%) | 0.82% | 0.89% | 0.96% | 1.09% | 1.12% | 1.14% | 1.22% | 1.32% |
| ██▇▄▃▃▂▁ | Efficiency Ratio (%) | 68.1% | 66.9% | 65.5% | 61.4% | 60.5% | 60.1% | 58.5% | 56.5% |
| █▆▂▁▃▃▁▂ | Cost of Funds (%) | 0.90% | 0.82% | 0.71% | 0.69% | 0.74% | 0.73% | 0.66% | 0.71% |
| ▆▂▅██▁▁▆ | NPA / Assets (%) | 0.39% | 0.26% | 0.37% | 0.45% | 0.46% | 0.25% | 0.23% | 0.38% |
| ▆▂▆██▁▁▄ | Net Charge-Off Ratio (%) | 0.97% | 0.63% | 0.91% | 1.15% | 1.14% | 0.59% | 0.51% | 0.81% |
| ▄▁▃▃▇▇██ | Tang. Book Value ($M) | $19 | $15 | $17 | $18 | $22 | $23 | $23 | $24 |
| ▁▁▁▂▃▅▇█ | Gross Loans ($M) | $120 | $122 | $124 | $128 | $131 | $139 | $147 | $154 |
| ▂▁▄█▇▆▇▇ | Total Deposits ($M) | $280 | $275 | $287 | $305 | $301 | $295 | $301 | $299 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 79% |
| C&I / Commercial | 5% |
| Agricultural | 5% |
| Consumer | 11% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 13% |
| Interest-Bearing (core) | 84% |
| Brokered / Other | 3% |