Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.30% | -0.12 | 1.42% |
| Return on Equity (%) | ▼ | 9.54% | -0.72 | 10.26% |
| Net Interest Margin (%) | ▼ | 4.14% | -0.06 | 4.19% |
| Efficiency Ratio (%) | ▼ | 62.51% | +4.60 | 57.91% |
| Pre-Provision Profit ($M) | ▼ | $2 | -0.48 | $3 |
| Cost of Funds (%) | ▲ | 2.12% | -0.14 | 2.26% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $588 | +15.44 | $572 |
| Gross Loans ($M) | ▼ | $430 | -1.01 | $431 |
| Loan Growth YoY (%) | ▼ | 86.29% | -3.80 | 90.10% |
| Total Deposits ($M) | ▲ | $491 | +16.60 | $474 |
| Shareholders Equity ($M) | ▼ | $81 | -1.09 | $82 |
| Tang. Book Value ($M) | ▼ | $76 | -1.02 | $77 |
| TBV excl. AOCI ($M)** | ▼ | $79 | -0.73 | $80 |
| Loan / Deposit Ratio (%) | ▼ | 86.29% | -3.80 | 90.10% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 3.43% | +1.74 | 1.68% |
| Allowance / Loans (%) | — | 1.62% | 0.63% | 0.99% |
| Net Charge-Off Ratio (%) | ▼ | 4.61% | +2.53 | 2.09% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅█▁▅▇█▄▃ | Net Interest Margin (%) | 4.22% | 4.28% | 4.07% | 4.19% | 4.26% | 4.31% | 4.18% | 4.14% |
| ██▇█▇▁█▇ | Return on Assets (%) | 1.45% | 1.49% | 1.29% | 1.42% | 1.31% | 0.40% | 1.38% | 1.30% |
| ▁▁▅▂▃▃▆█ | Efficiency Ratio (%) | 56.9% | 56.5% | 59.6% | 57.9% | 58.5% | 58.1% | 60.4% | 62.5% |
| ▇█▄▄▄▂▁▂ | Cost of Funds (%) | 2.41% | 2.47% | 2.24% | 2.26% | 2.21% | 2.11% | 2.06% | 2.12% |
| ▁▁▁▁▂█▆▇ | NPA / Assets (%) | 1.45% | 1.48% | 1.41% | 1.68% | 1.72% | 3.72% | 3.05% | 3.43% |
| ▁▁▁▂▁█▇█ | Net Charge-Off Ratio (%) | 1.64% | 1.66% | 1.66% | 2.09% | 2.01% | 4.44% | 4.02% | 4.61% |
| ▁▁▅▇█▁▃▆ | Tang. Book Value ($M) | $73 | $73 | $76 | $77 | $78 | $73 | $75 | $76 |
| ▇▆▁▃██▆▃ | Gross Loans ($M) | $436 | $435 | $427 | $431 | $438 | $439 | $436 | $430 |
| ▃▄▆▃▁▁█▆ | Total Deposits ($M) | $471 | $477 | $491 | $474 | $462 | $460 | $503 | $491 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 12% |
| Agricultural | 1% |
| Consumer | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 55% |
| Brokered / Other | 22% |