Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.92% | +0.06 | 0.86% |
| Return on Equity (%) | ▲ | 8.02% | +0.06 | 7.96% |
| Net Interest Margin (%) | ▲ | 4.06% | +0.14 | 3.92% |
| Efficiency Ratio (%) | ▼ | 73.81% | +0.05 | 73.76% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.02 | $1 |
| Cost of Funds (%) | ▲ | 1.39% | -0.05 | 1.43% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $332 | +15.16 | $317 |
| Gross Loans ($M) | ▲ | $186 | +20.69 | $166 |
| Loan Growth YoY (%) | ▲ | 63.57% | +5.26 | 58.32% |
| Total Deposits ($M) | ▲ | $289 | +9.63 | $279 |
| Shareholders Equity ($M) | ▲ | $38 | +2.96 | $36 |
| Tang. Book Value ($M) | ▲ | $38 | +2.96 | $36 |
| TBV excl. AOCI ($M)** | ▲ | $44 | +2.85 | $41 |
| Loan / Deposit Ratio (%) | ▲ | 63.57% | +5.26 | 58.32% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.10% | -0.02 | 0.12% |
| Allowance / Loans (%) | — | 1.43% | -0.25% | 1.67% |
| Net Charge-Off Ratio (%) | ▲ | 0.19% | -0.05 | 0.23% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▃▁▃▅▅██ | Net Interest Margin (%) | 3.96% | 3.93% | 3.84% | 3.92% | 3.98% | 3.97% | 4.09% | 4.06% |
| ▅█▁▂▅▄▄▄ | Return on Assets (%) | 0.95% | 1.09% | 0.81% | 0.86% | 0.96% | 0.93% | 0.92% | 0.92% |
| ▄▁█▇▆▇█▇ | Efficiency Ratio (%) | 70.5% | 67.5% | 74.9% | 73.8% | 73.0% | 73.2% | 74.3% | 73.8% |
| ▅█▁▇▄▅▁▃ | Cost of Funds (%) | 1.42% | 1.46% | 1.35% | 1.43% | 1.39% | 1.41% | 1.36% | 1.39% |
| ▁▁█▁▁▁▁▁ | NPA / Assets (%) | 0.12% | 0.11% | 0.72% | 0.12% | 0.06% | 0.04% | 0.04% | 0.10% |
| ▁▁█▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.22% | 0.21% | 1.41% | 0.23% | 0.11% | 0.08% | 0.08% | 0.19% |
| ▁▁▃▃▆▇▇█ | Tang. Book Value ($M) | $34 | $34 | $35 | $36 | $37 | $38 | $38 | $38 |
| ▃▂▂▁▄▅▇█ | Gross Loans ($M) | $172 | $168 | $169 | $166 | $176 | $178 | $182 | $186 |
| ▁▃█▂▃▃▇▆ | Total Deposits ($M) | $275 | $282 | $295 | $279 | $280 | $281 | $291 | $289 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 91% |
| C&I / Commercial | 5% |
| Agricultural | 1% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 10% |