Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.07% | +0.01 | 1.06% |
| Return on Equity (%) | ▼ | 14.50% | -3.56 | 18.06% |
| Net Interest Margin (%) | ▲ | 3.61% | +0.14 | 3.47% |
| Efficiency Ratio (%) | ▼ | 70.49% | +2.47 | 68.02% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.02 | $0 |
| Cost of Funds (%) | ▲ | 1.20% | -0.13 | 1.34% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $125 | +11.33 | $114 |
| Gross Loans ($M) | ▲ | $67 | +2.60 | $64 |
| Loan Growth YoY (%) | ▼ | 58.70% | -2.96 | 61.66% |
| Total Deposits ($M) | ▲ | $112 | +9.53 | $102 |
| Shareholders Equity ($M) | ▲ | $9 | +2.01 | $7 |
| Tang. Book Value ($M) | ▲ | $9 | +2.04 | $7 |
| TBV excl. AOCI ($M)** | ▲ | $12 | +2.21 | $9 |
| Loan / Deposit Ratio (%) | ▼ | 58.70% | -2.96 | 61.66% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.08% | -0.36 | 0.44% |
| Allowance / Loans (%) | — | 1.49% | 0.00% | 1.49% |
| Net Charge-Off Ratio (%) | ▲ | 0.15% | -0.63 | 0.78% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▇▆▇▇█ | Net Interest Margin (%) | 2.98% | 3.08% | 3.36% | 3.47% | 3.44% | 3.47% | 3.46% | 3.61% |
| ▁▂▆█████ | Return on Assets (%) | 0.59% | 0.70% | 0.93% | 1.06% | 1.03% | 1.03% | 1.02% | 1.07% |
| █▆▂▁▁▁▃▂ | Efficiency Ratio (%) | 78.4% | 75.6% | 70.0% | 68.0% | 68.6% | 68.8% | 71.0% | 70.5% |
| █▄▁▃▃▅▂▁ | Cost of Funds (%) | 1.68% | 1.42% | 1.20% | 1.34% | 1.38% | 1.47% | 1.29% | 1.20% |
| ▃▇█▇▅▂▁▁ | NPA / Assets (%) | 0.22% | 0.44% | 0.54% | 0.44% | 0.33% | 0.15% | 0.09% | 0.08% |
| ▃▆█▆▅▂▁▁ | Net Charge-Off Ratio (%) | 0.38% | 0.76% | 1.04% | 0.78% | 0.59% | 0.27% | 0.17% | 0.15% |
| ▃▁▂▃▇███ | Tang. Book Value ($M) | $7 | $6 | $7 | $7 | $9 | $9 | $9 | $9 |
| ▂▅▁▂▆█▂▄ | Gross Loans ($M) | $65 | $67 | $63 | $64 | $69 | $72 | $64 | $67 |
| ▁▆▇▂▃▅██ | Total Deposits ($M) | $100 | $108 | $109 | $102 | $103 | $106 | $112 | $112 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 50% |
| C&I / Commercial | 10% |
| Agricultural | 27% |
| Consumer | 5% |
| Other | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 8% |