Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.85% | +0.10 | 0.74% |
| Return on Equity (%) | ▲ | 13.66% | +1.51 | 12.15% |
| Net Interest Margin (%) | ▲ | 3.85% | +0.20 | 3.66% |
| Efficiency Ratio (%) | ▲ | 74.43% | -1.16 | 75.59% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.09 | $0 |
| Cost of Funds (%) | ▼ | 2.04% | +0.07 | 1.97% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $121 | +8.76 | $112 |
| Gross Loans ($M) | ▲ | $99 | +10.97 | $88 |
| Loan Growth YoY (%) | ▲ | 89.09% | +3.82 | 85.27% |
| Total Deposits ($M) | ▲ | $110 | +7.79 | $102 |
| Shareholders Equity ($M) | ▲ | $8 | +1.19 | $7 |
| Tang. Book Value ($M) | ▲ | $7 | +1.22 | $6 |
| Loan / Deposit Ratio (%) | ▲ | 89.09% | +3.82 | 85.27% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.52% | -0.06 | 0.58% |
| Allowance / Loans (%) | — | 0.99% | 0.03% | 0.96% |
| Net Charge-Off Ratio (%) | ▲ | 0.64% | -0.11 | 0.74% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 9.98% | -0.15 | 10.13% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆▄▇▇▅█ | Net Interest Margin (%) | 3.49% | 3.57% | 3.74% | 3.66% | 3.77% | 3.80% | 3.68% | 3.85% |
| ▆▁▇▆█▄▆█ | Return on Assets (%) | 0.76% | 0.52% | 0.80% | 0.74% | 0.83% | 0.67% | 0.76% | 0.85% |
| ▁▅▂▃▁█▃▁ | Efficiency Ratio (%) | 74.0% | 76.3% | 74.6% | 75.6% | 74.2% | 78.6% | 75.6% | 74.4% |
| ▄▁▂▃▅█▄▆ | Cost of Funds (%) | 2.00% | 1.91% | 1.94% | 1.97% | 2.02% | 2.10% | 2.01% | 2.04% |
| ▁▃▁▄█▁▁▃ | NPA / Assets (%) | 0.27% | 0.47% | 0.27% | 0.58% | 0.96% | 0.32% | 0.33% | 0.52% |
| ▁▃▁▄█▁▁▃ | Net Charge-Off Ratio (%) | 0.35% | 0.60% | 0.34% | 0.74% | 1.17% | 0.39% | 0.42% | 0.64% |
| ▃▁▂▂▅▆▆█ | Tang. Book Value ($M) | $6 | $6 | $6 | $6 | $7 | $7 | $7 | $7 |
| ▁▁▁▄▆█▇█ | Gross Loans ($M) | $81 | $81 | $83 | $88 | $93 | $97 | $96 | $99 |
| ▂▁▃▆▅▇██ | Total Deposits ($M) | $90 | $87 | $95 | $102 | $101 | $105 | $108 | $110 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 77% |
| C&I / Commercial | 12% |
| Agricultural | 4% |
| Consumer | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 16% |