Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.84% | +0.13 | 0.71% |
| Return on Equity (%) | ▲ | 10.01% | +1.33 | 8.68% |
| Net Interest Margin (%) | ▲ | 3.88% | +0.23 | 3.64% |
| Efficiency Ratio (%) | ▼ | 73.15% | +0.66 | 72.50% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.10 | $1 |
| Cost of Funds (%) | ▲ | 2.49% | -0.12 | 2.61% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $334 | +29.01 | $305 |
| Gross Loans ($M) | ▲ | $245 | +11.39 | $233 |
| Loan Growth YoY (%) | ▼ | 85.84% | -3.26 | 89.10% |
| Total Deposits ($M) | ▲ | $282 | +24.16 | $257 |
| Shareholders Equity ($M) | ▲ | $28 | +2.97 | $26 |
| Tang. Book Value ($M) | ▲ | $28 | +2.99 | $25 |
| TBV excl. AOCI ($M)** | ▲ | $32 | +4.06 | $28 |
| Loan / Deposit Ratio (%) | ▼ | 85.84% | -3.26 | 89.10% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.24% | -0.74 | 0.98% |
| Allowance / Loans (%) | — | 1.28% | -0.47% | 1.75% |
| Net Charge-Off Ratio (%) | ▲ | 0.25% | -1.03 | 1.28% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 11.79% | +11.79 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆█▆█ | Net Interest Margin (%) | 3.34% | 3.38% | 3.55% | 3.64% | 3.74% | 3.81% | 3.74% | 3.88% |
| ▁▂▇▆▆▇▆█ | Return on Assets (%) | 0.34% | 0.44% | 0.75% | 0.71% | 0.68% | 0.72% | 0.70% | 0.84% |
| ██▃▁▁▁▄▁ | Efficiency Ratio (%) | 83.2% | 82.3% | 76.0% | 72.5% | 72.4% | 71.9% | 76.2% | 73.2% |
| █▆▃▃▂▂▁▁ | Cost of Funds (%) | 2.89% | 2.79% | 2.62% | 2.61% | 2.56% | 2.58% | 2.52% | 2.49% |
| ▇▆███▁▁▁ | NPA / Assets (%) | 0.81% | 0.76% | 0.95% | 0.98% | 1.00% | 0.25% | 0.23% | 0.24% |
| ▆▆███▁▁▁ | Net Charge-Off Ratio (%) | 1.02% | 0.95% | 1.21% | 1.28% | 1.30% | 0.27% | 0.26% | 0.25% |
| ▁▁▂▃▆▇▆█ | Tang. Book Value ($M) | $23 | $23 | $24 | $25 | $26 | $27 | $26 | $28 |
| ▁▄▄▃▇███ | Gross Loans ($M) | $226 | $234 | $237 | $233 | $243 | $247 | $245 | $245 |
| ▁▁▃▄▃▇▇█ | Total Deposits ($M) | $237 | $242 | $253 | $257 | $253 | $274 | $273 | $282 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 48% |
| C&I / Commercial | 40% |
| Agricultural | 9% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 13% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 21% |