Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.36% | -0.04 | 1.40% |
| Return on Equity (%) | ▼ | 13.97% | -2.66 | 16.63% |
| Net Interest Margin (%) | ▲ | 4.19% | +0.39 | 3.79% |
| Efficiency Ratio (%) | ▼ | 60.62% | +4.14 | 56.48% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.02 | $0 |
| Cost of Funds (%) | ▲ | 1.65% | -0.37 | 2.02% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $107 | -6.95 | $114 |
| Gross Loans ($M) | ▲ | $81 | +0.94 | $80 |
| Loan Growth YoY (%) | ▲ | 86.16% | +0.04 | 86.12% |
| Total Deposits ($M) | ▲ | $93 | +0.81 | $92 |
| Shareholders Equity ($M) | ▲ | $11 | +0.76 | $10 |
| Tang. Book Value ($M) | ▲ | $10 | +0.82 | $9 |
| Loan / Deposit Ratio (%) | ▲ | 86.16% | +0.04 | 86.12% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.38% | -0.25 | 1.63% |
| Allowance / Loans (%) | — | 1.90% | 0.22% | 1.68% |
| Net Charge-Off Ratio (%) | ▲ | 1.82% | -0.50 | 2.32% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -9.92 | 9.92% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆▅▆▆██ | Net Interest Margin (%) | 3.13% | 3.27% | 3.92% | 3.79% | 3.82% | 3.87% | 4.11% | 4.19% |
| ▁▂█▇▇▇▆▆ | Return on Assets (%) | 1.10% | 1.16% | 1.45% | 1.40% | 1.38% | 1.39% | 1.34% | 1.36% |
| ▂▃▁▁▂▂██ | Efficiency Ratio (%) | 57.5% | 57.7% | 56.7% | 56.5% | 57.1% | 57.3% | 60.3% | 60.6% |
| █▄▁▆▄▂▁▁ | Cost of Funds (%) | 2.22% | 1.90% | 1.68% | 2.02% | 1.92% | 1.73% | 1.67% | 1.65% |
| ▂▃▂▂▁▂█▁ | NPA / Assets (%) | 1.90% | 2.72% | 1.44% | 1.63% | 0.57% | 1.52% | 7.20% | 1.38% |
| ▂▃▂▂▁▂█▁ | Net Charge-Off Ratio (%) | 2.84% | 3.94% | 2.06% | 2.32% | 0.79% | 2.16% | 9.72% | 1.82% |
| ▁▁▂▄▆███ | Tang. Book Value ($M) | $8 | $8 | $9 | $9 | $9 | $10 | $10 | $10 |
| ▁▅▃▆█▅▃▇ | Gross Loans ($M) | $77 | $80 | $78 | $80 | $82 | $80 | $78 | $81 |
| ▁▅▂▂▃█▄▃ | Total Deposits ($M) | $89 | $95 | $92 | $92 | $93 | $102 | $94 | $93 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 54% |
| C&I / Commercial | 11% |
| Agricultural | 30% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 12% |