Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.93% | +0.37 | 1.56% |
| Return on Equity (%) | ▲ | 19.22% | +3.15 | 16.07% |
| Net Interest Margin (%) | ▲ | 3.39% | +0.25 | 3.13% |
| Efficiency Ratio (%) | ▲ | 43.57% | -7.07 | 50.64% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.40 | $2 |
| Cost of Funds (%) | ▲ | 1.82% | -0.10 | 1.92% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $400 | +15.27 | $384 |
| Gross Loans ($M) | ▲ | $292 | +11.00 | $281 |
| Loan Growth YoY (%) | ▼ | 85.17% | -1.12 | 86.29% |
| Total Deposits ($M) | ▲ | $339 | +17.05 | $322 |
| Shareholders Equity ($M) | ▲ | $40 | +3.83 | $36 |
| Tang. Book Value ($M) | ▲ | $40 | +3.83 | $36 |
| TBV excl. AOCI ($M)** | ▲ | $43 | +4.72 | $39 |
| Loan / Deposit Ratio (%) | ▼ | 85.17% | -1.12 | 86.29% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.62% | +0.42 | 0.20% |
| Allowance / Loans (%) | — | 0.99% | -0.00% | 1.00% |
| Net Charge-Off Ratio (%) | ▼ | 0.85% | +0.58 | 0.27% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 17.89% | -0.53 | 18.41% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▁▃▄▇█ | Net Interest Margin (%) | 3.12% | 3.12% | 3.12% | 3.13% | 3.21% | 3.22% | 3.34% | 3.39% |
| ▁▁▂▃▄▃██ | Return on Assets (%) | 1.41% | 1.35% | 1.49% | 1.56% | 1.57% | 1.56% | 1.90% | 1.93% |
| ▇█▆▅▅▆▁▁ | Efficiency Ratio (%) | 54.9% | 56.7% | 52.9% | 50.6% | 51.3% | 52.2% | 43.8% | 43.6% |
| █▆▅▄█▅▂▁ | Cost of Funds (%) | 2.06% | 2.01% | 1.95% | 1.92% | 2.09% | 1.97% | 1.85% | 1.82% |
| ▁▁▃▂▂▅▆█ | NPA / Assets (%) | 0.11% | 0.10% | 0.26% | 0.20% | 0.19% | 0.36% | 0.48% | 0.62% |
| ▁▁▃▂▂▅▆█ | Net Charge-Off Ratio (%) | 0.14% | 0.12% | 0.33% | 0.27% | 0.25% | 0.51% | 0.64% | 0.85% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $35 | $35 | $36 | $36 | $38 | $39 | $39 | $40 |
| ▁▁▂▄▄▄▅█ | Gross Loans ($M) | $273 | $276 | $278 | $281 | $281 | $281 | $285 | $292 |
| ▁▃▃▆▅█▅█ | Total Deposits ($M) | $285 | $305 | $299 | $322 | $316 | $335 | $319 | $339 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 93% |
| C&I / Commercial | 4% |
| Agricultural | 1% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 14% |