Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.11% | +0.39 | 1.72% |
| Return on Equity (%) | ▲ | 19.85% | +2.48 | 17.37% |
| Net Interest Margin (%) | ▲ | 4.22% | +0.56 | 3.65% |
| Efficiency Ratio (%) | ▲ | 45.24% | -6.80 | 52.04% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.61 | $2 |
| Cost of Funds (%) | ▲ | 1.79% | -0.09 | 1.88% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $384 | +17.54 | $367 |
| Gross Loans ($M) | ▲ | $298 | +40.21 | $257 |
| Loan Growth YoY (%) | ▲ | 95.60% | +8.30 | 87.31% |
| Total Deposits ($M) | ▲ | $308 | +16.30 | $292 |
| Shareholders Equity ($M) | ▲ | $42 | +4.00 | $38 |
| Tang. Book Value ($M) | ▲ | $37 | +4.09 | $33 |
| TBV excl. AOCI ($M)** | ▲ | $40 | +3.39 | $37 |
| Loan / Deposit Ratio (%) | ▲ | 95.60% | +8.30 | 87.31% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.16% | -0.03 | 0.19% |
| Allowance / Loans (%) | — | 1.05% | -0.00% | 1.05% |
| Net Charge-Off Ratio (%) | ▲ | 0.21% | -0.07 | 0.28% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆██ | Net Interest Margin (%) | 2.95% | 3.10% | 3.56% | 3.65% | 3.72% | 3.82% | 4.12% | 4.22% |
| ▁▂▅▅▆▆▇█ | Return on Assets (%) | 1.11% | 1.31% | 1.62% | 1.72% | 1.79% | 1.79% | 1.98% | 2.11% |
| █▇▅▄▃▃▁▁ | Efficiency Ratio (%) | 61.2% | 59.1% | 54.4% | 52.0% | 50.6% | 50.0% | 47.1% | 45.2% |
| ██▂▃▃▂▁▂ | Cost of Funds (%) | 2.13% | 2.11% | 1.82% | 1.88% | 1.88% | 1.78% | 1.73% | 1.79% |
| █▁▂▂▂▁▁▂ | NPA / Assets (%) | 0.62% | 0.08% | 0.15% | 0.19% | 0.18% | 0.11% | 0.11% | 0.16% |
| █▁▂▂▂▁▁▁ | Net Charge-Off Ratio (%) | 0.88% | 0.12% | 0.22% | 0.28% | 0.26% | 0.15% | 0.15% | 0.21% |
| ▁▁▂▄▆█▆█ | Tang. Book Value ($M) | $30 | $29 | $31 | $33 | $35 | $36 | $35 | $37 |
| ▁▁▁▁▃▆▆█ | Gross Loans ($M) | $253 | $252 | $252 | $257 | $265 | $282 | $284 | $298 |
| ▂▁▂▃▁▄█▇ | Total Deposits ($M) | $287 | $285 | $288 | $292 | $283 | $295 | $312 | $308 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 73% |
| C&I / Commercial | 8% |
| Agricultural | 16% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 10% |
| Interest-Bearing (core) | 86% |
| Brokered / Other | 4% |