Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.34% | +0.27 | 1.07% |
| Return on Equity (%) | ▲ | 11.38% | +1.57 | 9.81% |
| Net Interest Margin (%) | ▲ | 3.82% | +0.25 | 3.57% |
| Efficiency Ratio (%) | ▲ | 62.33% | -5.42 | 67.75% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.16 | $1 |
| Cost of Funds (%) | ▲ | 1.86% | -0.24 | 2.11% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $185 | +1.96 | $184 |
| Gross Loans ($M) | ▲ | $120 | +3.38 | $117 |
| Loan Growth YoY (%) | ▲ | 75.16% | +0.26 | 74.90% |
| Total Deposits ($M) | ▲ | $158 | +3.78 | $155 |
| Shareholders Equity ($M) | ▲ | $22 | +1.55 | $20 |
| Tang. Book Value ($M) | ▲ | $22 | +1.55 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $25 | +1.55 | $23 |
| Loan / Deposit Ratio (%) | ▲ | 75.16% | +0.26 | 74.90% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.44% | +1.03 | 1.40% |
| Allowance / Loans (%) | — | 1.05% | 0.08% | 0.97% |
| Net Charge-Off Ratio (%) | ▼ | 3.43% | +1.29 | 2.14% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆▇█ | Net Interest Margin (%) | 3.19% | 3.25% | 3.48% | 3.57% | 3.58% | 3.65% | 3.72% | 3.82% |
| ██▁▁▁▁▇▇ | Return on Assets (%) | 1.39% | 1.37% | 1.05% | 1.07% | 1.05% | 1.07% | 1.34% | 1.34% |
| ▁▁█▆▇▆▄▁ | Efficiency Ratio (%) | 63.0% | 63.2% | 70.3% | 67.7% | 68.8% | 68.1% | 66.1% | 62.3% |
| █▅▄▃▅▂▁▁ | Cost of Funds (%) | 2.59% | 2.32% | 2.17% | 2.11% | 2.30% | 1.99% | 1.89% | 1.86% |
| ▂▂▅▃▃▁▃█ | NPA / Assets (%) | 1.32% | 1.35% | 1.82% | 1.40% | 1.53% | 0.99% | 1.41% | 2.44% |
| ▄▄▆▄▅▁▃█ | Net Charge-Off Ratio (%) | 2.23% | 2.15% | 2.82% | 2.14% | 2.47% | 1.31% | 1.91% | 3.43% |
| ▅▁▄▄▇███ | Tang. Book Value ($M) | $21 | $19 | $20 | $20 | $21 | $22 | $22 | $22 |
| ▁▁▃▆▅▃▃█ | Gross Loans ($M) | $109 | $108 | $111 | $117 | $114 | $111 | $112 | $120 |
| ▃▄▃▁███▅ | Total Deposits ($M) | $157 | $157 | $157 | $155 | $161 | $161 | $161 | $158 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 60% |
| C&I / Commercial | 15% |
| Agricultural | 22% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 19% |