Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.92% | +0.15 | 0.77% |
| Return on Equity (%) | ▲ | 9.51% | +0.40 | 9.11% |
| Net Interest Margin (%) | ▲ | 3.73% | +0.20 | 3.53% |
| Efficiency Ratio (%) | ▲ | 68.54% | -6.25 | 74.79% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.37 | $1 |
| Cost of Funds (%) | ▲ | 0.95% | -0.08 | 1.03% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $541 | +16.55 | $525 |
| Gross Loans ($M) | ▲ | $271 | +18.27 | $252 |
| Loan Growth YoY (%) | ▲ | 55.10% | +2.86 | 52.24% |
| Total Deposits ($M) | ▲ | $486 | +7.78 | $478 |
| Shareholders Equity ($M) | ▲ | $53 | +9.21 | $44 |
| Tang. Book Value ($M) | ▲ | $46 | +9.32 | $36 |
| TBV excl. AOCI ($M)** | ▲ | $54 | +9.56 | $44 |
| Loan / Deposit Ratio (%) | ▲ | 55.10% | +2.86 | 52.24% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.37% | +0.01 | 0.36% |
| Allowance / Loans (%) | — | 1.07% | 0.04% | 1.03% |
| Net Charge-Off Ratio (%) | ▼ | 0.70% | +0.02 | 0.68% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▅▆▇██ | Net Interest Margin (%) | 3.27% | 3.34% | 3.51% | 3.53% | 3.59% | 3.62% | 3.70% | 3.73% |
| ▁▁▅▆▆▅██ | Return on Assets (%) | 0.44% | 0.46% | 0.68% | 0.77% | 0.76% | 0.72% | 0.91% | 0.92% |
| ██▅▄▄▃▁▁ | Efficiency Ratio (%) | 84.4% | 84.2% | 78.4% | 74.8% | 74.9% | 73.8% | 70.0% | 68.5% |
| ▆▄▂▄█▃▁▁ | Cost of Funds (%) | 1.08% | 1.04% | 0.97% | 1.03% | 1.12% | 1.00% | 0.95% | 0.95% |
| ▁▁▁▄▃██▅ | NPA / Assets (%) | 0.32% | 0.33% | 0.33% | 0.36% | 0.35% | 0.42% | 0.42% | 0.37% |
| ▁▁▅▅▅█▇▆ | Net Charge-Off Ratio (%) | 0.46% | 0.47% | 0.68% | 0.68% | 0.68% | 0.82% | 0.77% | 0.70% |
| ▃▁▂▂▆▇▇█ | Tang. Book Value ($M) | $37 | $34 | $37 | $36 | $41 | $44 | $44 | $46 |
| ▁▂▁▁▄███ | Gross Loans ($M) | $252 | $255 | $254 | $252 | $259 | $269 | $270 | $271 |
| ▄▁▆▇▁▇██ | Total Deposits ($M) | $467 | $453 | $476 | $478 | $456 | $480 | $483 | $486 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 88% |
| C&I / Commercial | 10% |
| Agricultural | 1% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 8% |