Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.39% | +0.30 | 1.09% |
| Return on Equity (%) | ▲ | 22.68% | +1.29 | 21.39% |
| Net Interest Margin (%) | ▲ | 3.89% | +0.17 | 3.72% |
| Efficiency Ratio (%) | ▲ | 65.68% | -6.15 | 71.84% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.72 | $2 |
| Cost of Funds (%) | ▲ | 0.72% | -0.16 | 0.87% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $667 | +50.40 | $617 |
| Gross Loans ($M) | ▲ | $369 | +31.10 | $338 |
| Loan Growth YoY (%) | ▲ | 58.58% | +0.76 | 57.81% |
| Total Deposits ($M) | ▲ | $621 | +45.39 | $576 |
| Shareholders Equity ($M) | ▲ | $41 | +5.91 | $35 |
| Tang. Book Value ($M) | ▲ | $39 | +6.05 | $33 |
| TBV excl. AOCI ($M)** | ▲ | $48 | +5.02 | $43 |
| Loan / Deposit Ratio (%) | ▲ | 58.58% | +0.76 | 57.81% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.15% | -0.02 | 0.17% |
| Allowance / Loans (%) | — | 1.50% | -0.10% | 1.60% |
| Net Charge-Off Ratio (%) | ▲ | 0.28% | -0.04 | 0.32% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▅▅▆█ | Net Interest Margin (%) | 3.64% | 3.65% | 3.67% | 3.72% | 3.77% | 3.77% | 3.81% | 3.89% |
| ▁▁▃▂▃▄██ | Return on Assets (%) | 1.02% | 1.05% | 1.16% | 1.09% | 1.15% | 1.17% | 1.38% | 1.39% |
| ██▅▆▅▅▁▁ | Efficiency Ratio (%) | 74.3% | 73.3% | 70.2% | 71.8% | 70.9% | 70.4% | 65.7% | 65.7% |
| █▇█▇▇▄▃▁ | Cost of Funds (%) | 0.92% | 0.88% | 0.91% | 0.87% | 0.87% | 0.81% | 0.78% | 0.72% |
| ██▅▅▄▁▁▄ | NPA / Assets (%) | 0.27% | 0.25% | 0.18% | 0.17% | 0.15% | 0.09% | 0.07% | 0.15% |
| ██▅▅▄▂▁▄ | Net Charge-Off Ratio (%) | 0.49% | 0.46% | 0.33% | 0.32% | 0.28% | 0.18% | 0.13% | 0.28% |
| ▄▁▃▅▇███ | Tang. Book Value ($M) | $32 | $26 | $31 | $33 | $36 | $38 | $39 | $39 |
| ▁▁▁▃▂▂▅█ | Gross Loans ($M) | $331 | $326 | $330 | $338 | $333 | $335 | $350 | $369 |
| ▁▂▃▂▁▅▆█ | Total Deposits ($M) | $565 | $579 | $579 | $576 | $570 | $594 | $607 | $621 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 21% |
| Agricultural | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 34% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 2% |