Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.57% | +0.34 | 2.23% |
| Return on Equity (%) | ▲ | 25.30% | +0.23 | 25.07% |
| Net Interest Margin (%) | ▲ | 3.90% | +0.33 | 3.56% |
| Efficiency Ratio (%) | ▲ | 34.68% | -2.64 | 37.32% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.19 | $3 |
| Cost of Funds (%) | ▲ | 1.01% | -0.32 | 1.33% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $436 | -44.83 | $480 |
| Gross Loans ($M) | ▲ | $248 | +4.35 | $244 |
| Loan Growth YoY (%) | ▲ | 63.61% | +7.45 | 56.16% |
| Total Deposits ($M) | ▼ | $385 | -44.16 | $429 |
| Shareholders Equity ($M) | ▲ | $48 | +5.88 | $42 |
| Tang. Book Value ($M) | ▲ | $48 | +5.88 | $42 |
| TBV excl. AOCI ($M)** | ▲ | $54 | +6.49 | $47 |
| Loan / Deposit Ratio (%) | ▲ | 63.61% | +7.45 | 56.16% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.06% | -0.49 | 0.54% |
| Allowance / Loans (%) | — | 1.35% | 0.18% | 1.17% |
| Net Charge-Off Ratio (%) | ▲ | 0.10% | -0.97 | 1.07% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▁▁▃▄▄▇█ | Net Interest Margin (%) | 3.51% | 3.49% | 3.44% | 3.56% | 3.64% | 3.65% | 3.81% | 3.90% |
| ▂▁▂▂▃▂█▇ | Return on Assets (%) | 2.22% | 2.15% | 2.25% | 2.23% | 2.31% | 2.25% | 2.65% | 2.57% |
| ▇█▄▇▄▇▁▄ | Efficiency Ratio (%) | 37.4% | 39.3% | 34.5% | 37.3% | 34.9% | 37.7% | 30.9% | 34.7% |
| ▆▇▃██▆▃▁ | Cost of Funds (%) | 1.24% | 1.29% | 1.14% | 1.33% | 1.37% | 1.27% | 1.10% | 1.01% |
| █▇▇██▁▁▁ | NPA / Assets (%) | 0.56% | 0.50% | 0.49% | 0.54% | 0.53% | 0.08% | 0.09% | 0.06% |
| ██▇██▁▁▁ | Net Charge-Off Ratio (%) | 1.00% | 0.97% | 0.92% | 1.07% | 1.07% | 0.16% | 0.17% | 0.10% |
| ▂▁▃▁▅██▇ | Tang. Book Value ($M) | $43 | $42 | $44 | $42 | $45 | $49 | $49 | $48 |
| ▁▄▆▄▆█▆▅ | Gross Loans ($M) | $235 | $244 | $249 | $244 | $249 | $256 | $250 | $248 |
| ▁▄▄▄▆█▂▁ | Total Deposits ($M) | $376 | $429 | $426 | $429 | $452 | $491 | $395 | $385 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 87% |
| C&I / Commercial | 10% |
| Agricultural | 1% |
| Consumer | 1% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 7% |