Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.40% | +0.25 | 1.15% |
| Return on Equity (%) | ▲ | 14.56% | +1.81 | 12.75% |
| Net Interest Margin (%) | ▲ | 3.70% | +0.55 | 3.15% |
| Efficiency Ratio (%) | ▲ | 52.62% | -3.61 | 56.23% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.26 | $1 |
| Cost of Funds (%) | ▲ | 1.19% | -0.27 | 1.46% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $277 | -7.76 | $284 |
| Gross Loans ($M) | ▲ | $164 | +9.01 | $155 |
| Loan Growth YoY (%) | ▲ | 65.68% | +3.89 | 61.79% |
| Total Deposits ($M) | ▼ | $246 | -1.64 | $248 |
| Shareholders Equity ($M) | ▲ | $27 | +1.17 | $26 |
| Tang. Book Value ($M) | ▲ | $24 | +1.32 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $29 | +2.19 | $27 |
| Loan / Deposit Ratio (%) | ▲ | 65.68% | +3.89 | 61.79% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.12% | +0.12 | 0.00% |
| Allowance / Loans (%) | — | 1.50% | 0.20% | 1.30% |
| Net Charge-Off Ratio (%) | ▼ | 0.20% | +0.19 | 0.01% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 15.24% | -0.07 | 15.31% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▁▂▃▇█ | Net Interest Margin (%) | 3.13% | 3.13% | 3.08% | 3.15% | 3.19% | 3.27% | 3.55% | 3.70% |
| ▁▁▅▅▄▄██ | Return on Assets (%) | 0.81% | 0.77% | 1.17% | 1.15% | 1.06% | 1.03% | 1.46% | 1.40% |
| ██▃▃▃▃▁▁ | Efficiency Ratio (%) | 64.6% | 66.4% | 55.4% | 56.2% | 56.5% | 55.6% | 51.6% | 52.6% |
| █▇▇██▅▁▁ | Cost of Funds (%) | 1.45% | 1.42% | 1.42% | 1.46% | 1.49% | 1.34% | 1.15% | 1.19% |
| ▁▁▁▁█▄▄▄ | NPA / Assets (%) | 0.01% | 0.01% | 0.00% | 0.00% | 0.24% | 0.12% | 0.12% | 0.12% |
| ▁▁▁▁█▄▄▄ | Net Charge-Off Ratio (%) | 0.01% | 0.01% | 0.01% | 0.01% | 0.44% | 0.21% | 0.21% | 0.20% |
| ▃▁▃▅▇█▇█ | Tang. Book Value ($M) | $22 | $21 | $22 | $23 | $23 | $24 | $24 | $24 |
| ▄█▅▁▁█▄▆ | Gross Loans ($M) | $160 | $167 | $161 | $155 | $155 | $166 | $161 | $164 |
| ▁▄█▆▆▇█▆ | Total Deposits ($M) | $228 | $239 | $253 | $248 | $248 | $250 | $256 | $246 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 66% |
| C&I / Commercial | 6% |
| Agricultural | 24% |
| Consumer | 2% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 12% |
| Interest-Bearing (core) | 82% |
| Brokered / Other | 6% |