Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.75% | -0.23 | 0.98% |
| Return on Equity (%) | ▼ | 7.69% | -2.79 | 10.48% |
| Net Interest Margin (%) | ▲ | 4.31% | +0.10 | 4.21% |
| Efficiency Ratio (%) | ▼ | 75.89% | +3.86 | 72.03% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.10 | $1 |
| Cost of Funds (%) | ▲ | 1.00% | -0.13 | 1.14% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $408 | +3.20 | $405 |
| Gross Loans ($M) | ▲ | $335 | +12.81 | $322 |
| Loan Growth YoY (%) | ▲ | 90.56% | +3.47 | 87.09% |
| Total Deposits ($M) | ▼ | $365 | -0.07 | $365 |
| Shareholders Equity ($M) | ▲ | $40 | +2.79 | $37 |
| Tang. Book Value ($M) | ▲ | $40 | +2.79 | $37 |
| TBV excl. AOCI ($M)** | ▲ | $41 | +2.68 | $38 |
| Loan / Deposit Ratio (%) | ▲ | 90.56% | +3.47 | 87.09% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.94% | +0.81 | 0.13% |
| Allowance / Loans (%) | — | 1.27% | 0.00% | 1.27% |
| Net Charge-Off Ratio (%) | ▼ | 1.14% | +0.99 | 0.16% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.55% | +0.26 | 13.28% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▄▃█ | Net Interest Margin (%) | 4.13% | 4.13% | 4.17% | 4.21% | 4.23% | 4.21% | 4.18% | 4.31% |
| ▂▂█▅▄▄▁▂ | Return on Assets (%) | 0.79% | 0.78% | 1.19% | 0.98% | 0.91% | 0.86% | 0.66% | 0.75% |
| ▆▆▁▃▄▄█▆ | Efficiency Ratio (%) | 75.0% | 75.0% | 69.8% | 72.0% | 73.0% | 73.8% | 78.1% | 75.9% |
| █▅▁▇██▂▁ | Cost of Funds (%) | 1.16% | 1.10% | 1.01% | 1.14% | 1.15% | 1.17% | 1.03% | 1.00% |
| ▂▂█▁▁▁▃▆ | NPA / Assets (%) | 0.34% | 0.31% | 1.30% | 0.13% | 0.12% | 0.17% | 0.46% | 0.94% |
| ▁▁█▁▁▁▃▆ | Net Charge-Off Ratio (%) | 0.02% | 0.02% | 1.56% | 0.16% | 0.15% | 0.21% | 0.54% | 1.14% |
| ▁▁▃▄▆▇▇█ | Tang. Book Value ($M) | $35 | $35 | $37 | $37 | $38 | $39 | $39 | $40 |
| ▁▃▅▅▅▆██ | Gross Loans ($M) | $301 | $314 | $320 | $322 | $323 | $327 | $340 | $335 |
| ▁▁▁▇██▅▇ | Total Deposits ($M) | $344 | $344 | $346 | $365 | $369 | $368 | $358 | $365 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 95% |
| C&I / Commercial | 5% |
| Agricultural | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 6% |
| Interest-Bearing (core) | 86% |
| Brokered / Other | 8% |