Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.56% | +0.19 | 1.37% |
| Return on Equity (%) | ▲ | 18.43% | +0.21 | 18.22% |
| Net Interest Margin (%) | ▲ | 3.48% | +0.16 | 3.32% |
| Efficiency Ratio (%) | ▲ | 51.77% | -10.29 | 62.06% |
| Pre-Provision Profit ($M) | ▲ | $4 | +0.91 | $3 |
| Cost of Funds (%) | ▲ | 1.72% | -0.34 | 2.06% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $908 | +45.25 | $863 |
| Gross Loans ($M) | ▲ | $497 | +26.94 | $471 |
| Loan Growth YoY (%) | ▼ | 61.23% | -0.36 | 61.59% |
| Total Deposits ($M) | ▲ | $799 | +43.55 | $756 |
| Shareholders Equity ($M) | ▲ | $79 | +10.17 | $69 |
| Tang. Book Value ($M) | ▲ | $78 | +10.15 | $68 |
| TBV excl. AOCI ($M)** | ▲ | $94 | +11.00 | $83 |
| Loan / Deposit Ratio (%) | ▼ | 61.23% | -0.36 | 61.59% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.24% | +1.14 | 0.10% |
| Allowance / Loans (%) | — | 1.63% | 0.54% | 1.09% |
| Net Charge-Off Ratio (%) | ▼ | 2.27% | +2.08 | 0.19% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -12.51 | 12.51% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▄▆▆▇█ | Net Interest Margin (%) | 3.21% | 3.19% | 3.19% | 3.32% | 3.38% | 3.39% | 3.43% | 3.48% |
| ▁▂▂▅▇▆██ | Return on Assets (%) | 1.17% | 1.24% | 1.25% | 1.37% | 1.51% | 1.42% | 1.56% | 1.56% |
| █▇▇▆▃▃▁▁ | Efficiency Ratio (%) | 67.0% | 64.9% | 63.9% | 62.1% | 55.7% | 55.5% | 51.5% | 51.8% |
| ██▇▇▆▂▁▁ | Cost of Funds (%) | 2.17% | 2.12% | 2.07% | 2.06% | 2.03% | 1.79% | 1.75% | 1.72% |
| ▁▁▁▁▅▅██ | NPA / Assets (%) | 0.03% | 0.04% | 0.08% | 0.10% | 0.73% | 0.66% | 1.27% | 1.24% |
| ▁▁▁▁▅▅██ | Net Charge-Off Ratio (%) | 0.06% | 0.08% | 0.16% | 0.19% | 1.32% | 1.23% | 2.33% | 2.27% |
| ▂▁▂▄▆▇▇█ | Tang. Book Value ($M) | $65 | $61 | $65 | $68 | $73 | $76 | $74 | $78 |
| ▁▂▅▅▆███ | Gross Loans ($M) | $437 | $447 | $472 | $471 | $476 | $495 | $494 | $497 |
| ▁▅▇▄▃███ | Total Deposits ($M) | $719 | $771 | $787 | $756 | $752 | $808 | $801 | $799 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 10% |
| Agricultural | 1% |
| Consumer | 3% |
| Other | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 16% |