Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.84% | +0.22 | 0.62% |
| Return on Equity (%) | ▲ | 8.56% | +2.18 | 6.38% |
| Net Interest Margin (%) | ▲ | 3.16% | +0.07 | 3.09% |
| Efficiency Ratio (%) | ▲ | 52.75% | -16.19 | 68.94% |
| Pre-Provision Profit ($M) | ▲ | $6 | +3.36 | $2 |
| Cost of Funds (%) | ▼ | 2.45% | +0.05 | 2.40% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $1,359 | +253.29 | $1,105 |
| Gross Loans ($M) | ▲ | $946 | +310.21 | $636 |
| Loan Growth YoY (%) | ▲ | 77.23% | +14.30 | 62.93% |
| Total Deposits ($M) | ▲ | $1,210 | +211.95 | $998 |
| Shareholders Equity ($M) | ▲ | $143 | +39.30 | $103 |
| Tang. Book Value ($M) | ▲ | $143 | +39.30 | $103 |
| Loan / Deposit Ratio (%) | ▲ | 77.23% | +14.30 | 62.93% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.03% | +0.03 | 0.00% |
| Allowance / Loans (%) | — | 1.23% | 0.00% | 1.23% |
| Net Charge-Off Ratio (%) | ▼ | 0.05% | +0.05 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 14.00% | -1.31 | 15.31% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▃▁▁▁▁▂ | Net Interest Margin (%) | 3.78% | 3.71% | 3.21% | 3.09% | 3.05% | 3.01% | 3.07% | 3.16% |
| █▇▃▁▁▁▁▆ | Return on Assets (%) | 0.92% | 0.86% | 0.71% | 0.62% | 0.64% | 0.65% | 0.65% | 0.84% |
| ▆▇██▇▆▂▁ | Efficiency Ratio (%) | 64.7% | 66.8% | 67.6% | 68.9% | 65.1% | 63.1% | 56.0% | 52.8% |
| ▄█▂▆█▁▃▇ | Cost of Funds (%) | 2.31% | 2.48% | 2.22% | 2.40% | 2.51% | 2.15% | 2.25% | 2.45% |
| █▄▁▁▁▁▃▂ | NPA / Assets (%) | 0.21% | 0.08% | 0.00% | 0.00% | 0.02% | 0.01% | 0.06% | 0.03% |
| █▄▁▁▁▁▃▂ | Net Charge-Off Ratio (%) | 0.29% | 0.13% | 0.00% | 0.00% | 0.03% | 0.02% | 0.09% | 0.05% |
| ▁▁▃▄▆▇██ | Tang. Book Value ($M) | $77 | $84 | $94 | $103 | $118 | $129 | $139 | $143 |
| ▁▁▁▂▄▆▇█ | Gross Loans ($M) | $564 | $544 | $579 | $636 | $726 | $808 | $878 | $946 |
| ▁▁▃▄▆█▇▇ | Total Deposits ($M) | $681 | $737 | $863 | $998 | $1,124 | $1,316 | $1,226 | $1,210 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 53% |
| C&I / Commercial | 8% |
| Agricultural | 1% |
| Consumer | 38% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 4% |