Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.24% | +0.28 | 0.96% |
| Return on Equity (%) | ▲ | 13.01% | +1.60 | 11.41% |
| Net Interest Margin (%) | ▲ | 2.74% | +0.34 | 2.40% |
| Efficiency Ratio (%) | ▲ | 54.08% | -3.73 | 57.80% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.15 | $1 |
| Cost of Funds (%) | ▲ | 1.64% | -0.50 | 2.14% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $266 | -2.13 | $269 |
| Gross Loans ($M) | ▲ | $80 | +2.36 | $77 |
| Loan Growth YoY (%) | ▲ | 32.75% | +1.56 | 31.18% |
| Total Deposits ($M) | ▼ | $239 | -4.47 | $244 |
| Shareholders Equity ($M) | ▲ | $26 | +2.37 | $24 |
| Tang. Book Value ($M) | ▲ | $25 | +2.42 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $30 | +2.00 | $28 |
| Loan / Deposit Ratio (%) | ▲ | 32.75% | +1.56 | 31.18% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.23% | +0.01 | 0.22% |
| Allowance / Loans (%) | — | 1.70% | -0.03% | 1.72% |
| Net Charge-Off Ratio (%) | ▼ | 0.78% | +0.01 | 0.76% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 31.77% | +1.41 | 30.36% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▆▆▆██ | Net Interest Margin (%) | 1.81% | 1.91% | 2.29% | 2.40% | 2.40% | 2.47% | 2.63% | 2.74% |
| ▁▁▅▆▆▆██ | Return on Assets (%) | 0.40% | 0.48% | 0.86% | 0.96% | 1.00% | 1.01% | 1.18% | 1.24% |
| █▇▃▂▁▁▁▁ | Efficiency Ratio (%) | 76.2% | 72.1% | 60.3% | 57.8% | 56.3% | 56.2% | 55.4% | 54.1% |
| █▇▄▅▄▃▁▁ | Cost of Funds (%) | 2.65% | 2.48% | 2.06% | 2.14% | 2.03% | 1.87% | 1.57% | 1.64% |
| ▁▁█▄▂▃▄▅ | NPA / Assets (%) | 0.20% | 0.20% | 0.26% | 0.22% | 0.21% | 0.21% | 0.22% | 0.23% |
| ▂▁█▃▃▁▄▃ | Net Charge-Off Ratio (%) | 0.73% | 0.68% | 0.94% | 0.76% | 0.77% | 0.71% | 0.79% | 0.78% |
| ▄▁▄▅▇███ | Tang. Book Value ($M) | $22 | $20 | $22 | $23 | $24 | $25 | $25 | $25 |
| ▁▆▅▃▁█▅▆ | Gross Loans ($M) | $75 | $80 | $79 | $77 | $76 | $82 | $80 | $80 |
| █▄█▂▇▄█▁ | Total Deposits ($M) | $259 | $249 | $258 | $244 | $256 | $248 | $257 | $239 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 56% |
| C&I / Commercial | 10% |
| Agricultural | 31% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 8% |
| Interest-Bearing (core) | 85% |
| Brokered / Other | 7% |