Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.79% | +0.02 | 0.76% |
| Return on Equity (%) | ▼ | 5.58% | -0.14 | 5.72% |
| Net Interest Margin (%) | ▲ | 3.88% | +0.03 | 3.85% |
| Efficiency Ratio (%) | ▼ | 73.96% | +0.68 | 73.29% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.05 | $0 |
| Cost of Funds (%) | ▲ | 1.24% | -0.01 | 1.25% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $131 | +0.43 | $131 |
| Gross Loans ($M) | ▼ | $79 | -1.39 | $80 |
| Loan Growth YoY (%) | ▼ | 69.94% | -0.81 | 70.76% |
| Total Deposits ($M) | ▼ | $112 | -0.87 | $113 |
| Shareholders Equity ($M) | ▲ | $19 | +1.10 | $18 |
| Tang. Book Value ($M) | ▲ | $18 | +1.16 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +1.23 | $19 |
| Loan / Deposit Ratio (%) | ▼ | 69.94% | -0.81 | 70.76% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.84% | +0.70 | 1.15% |
| Allowance / Loans (%) | — | 0.83% | 0.18% | 0.64% |
| Net Charge-Off Ratio (%) | ▼ | 3.00% | +1.20 | 1.80% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▆██▅█ | Net Interest Margin (%) | 3.77% | 3.76% | 3.76% | 3.85% | 3.88% | 3.87% | 3.82% | 3.88% |
| ▆▅▄▅▅▁█▆ | Return on Assets (%) | 0.79% | 0.77% | 0.75% | 0.76% | 0.77% | 0.69% | 0.83% | 0.79% |
| ▅▇▆▂▁█▁▄ | Efficiency Ratio (%) | 74.7% | 75.3% | 74.8% | 73.3% | 72.9% | 76.1% | 72.5% | 74.0% |
| ▆█▄▁▃▅▂▁ | Cost of Funds (%) | 1.33% | 1.37% | 1.29% | 1.25% | 1.29% | 1.31% | 1.27% | 1.24% |
| ▄▅▆▁▃▆█▆ | NPA / Assets (%) | 1.55% | 1.63% | 1.81% | 1.15% | 1.46% | 1.77% | 2.10% | 1.84% |
| ▃▄▆▁▃▆█▆ | Net Charge-Off Ratio (%) | 2.28% | 2.48% | 2.85% | 1.80% | 2.32% | 2.84% | 3.43% | 3.00% |
| ▁▁▂▄▆▇▇█ | Tang. Book Value ($M) | $16 | $16 | $17 | $17 | $18 | $18 | $18 | $18 |
| █▅▃▄▄▂▁▁ | Gross Loans ($M) | $82 | $81 | $80 | $80 | $81 | $80 | $79 | $79 |
| ▁▃▆██▇█▇ | Total Deposits ($M) | $107 | $109 | $111 | $113 | $113 | $112 | $112 | $112 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 82% |
| C&I / Commercial | 7% |
| Agricultural | 4% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 4% |