Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.63% | +0.33 | 1.30% |
| Return on Equity (%) | ▼ | 18.95% | -1.10 | 20.05% |
| Net Interest Margin (%) | ▲ | 3.05% | +0.27 | 2.78% |
| Efficiency Ratio (%) | ▲ | 44.37% | -5.45 | 49.82% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.28 | $1 |
| Cost of Funds (%) | ▲ | 1.53% | -0.21 | 1.74% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $333 | +14.35 | $319 |
| Gross Loans ($M) | ▲ | $172 | +11.46 | $161 |
| Loan Growth YoY (%) | ▲ | 57.13% | +1.76 | 55.37% |
| Total Deposits ($M) | ▲ | $300 | +11.03 | $289 |
| Shareholders Equity ($M) | ▲ | $30 | +6.82 | $23 |
| Tang. Book Value ($M) | ▲ | $30 | +7.12 | $22 |
| TBV excl. AOCI ($M)** | ▲ | $37 | +7.00 | $30 |
| Loan / Deposit Ratio (%) | ▲ | 57.13% | +1.76 | 55.37% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.03% | +0.01 | 0.02% |
| Allowance / Loans (%) | — | 0.63% | 0.01% | 0.63% |
| Net Charge-Off Ratio (%) | ▼ | 0.05% | +0.02 | 0.03% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▅▅▇█ | Net Interest Margin (%) | 2.47% | 2.47% | 2.65% | 2.78% | 2.82% | 2.82% | 2.92% | 3.05% |
| ▂▁▃▅▆▄▇█ | Return on Assets (%) | 0.95% | 0.84% | 1.10% | 1.30% | 1.34% | 1.22% | 1.47% | 1.63% |
| ▇█▅▃▃▄▂▁ | Efficiency Ratio (%) | 59.0% | 63.2% | 53.9% | 49.8% | 49.2% | 52.8% | 47.7% | 44.4% |
| █▅▄▄▄▁▁▁ | Cost of Funds (%) | 2.03% | 1.81% | 1.72% | 1.74% | 1.73% | 1.56% | 1.50% | 1.53% |
| ▁▁▁▁█▅█▁ | NPA / Assets (%) | 0.01% | 0.01% | 0.01% | 0.02% | 0.28% | 0.17% | 0.26% | 0.03% |
| ▁▁▁▁█▅█▁ | Net Charge-Off Ratio (%) | 0.02% | 0.02% | 0.02% | 0.03% | 0.59% | 0.35% | 0.52% | 0.05% |
| ▃▁▁▃▇█▆█ | Tang. Book Value ($M) | $23 | $20 | $20 | $22 | $27 | $29 | $27 | $30 |
| ▁▃▃▅▂▄▆█ | Gross Loans ($M) | $148 | $157 | $156 | $161 | $154 | $159 | $164 | $172 |
| ▁█▇▃▁▆█▆ | Total Deposits ($M) | $282 | $307 | $303 | $289 | $284 | $299 | $305 | $300 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 36% |
| C&I / Commercial | 7% |
| Agricultural | 43% |
| Consumer | 3% |
| Other | 11% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 11% |