Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.30% | +0.42 | 0.88% |
| Return on Equity (%) | ▲ | 10.18% | +2.09 | 8.09% |
| Net Interest Margin (%) | ▲ | 2.99% | +0.30 | 2.70% |
| Efficiency Ratio (%) | ▲ | 50.78% | -12.18 | 62.97% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.18 | $1 |
| Cost of Funds (%) | ▲ | 2.57% | -0.06 | 2.63% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $220 | -26.03 | $246 |
| Gross Loans ($M) | ▼ | $187 | -18.45 | $206 |
| Loan Growth YoY (%) | ▲ | 117.30% | +5.14 | 112.16% |
| Total Deposits ($M) | ▼ | $157 | -23.65 | $180 |
| Shareholders Equity ($M) | ▲ | $29 | +1.65 | $27 |
| Tang. Book Value ($M) | ▲ | $29 | +1.65 | $27 |
| TBV excl. AOCI ($M)** | ▲ | $30 | +1.29 | $29 |
| Loan / Deposit Ratio (%) | ▲ | 117.30% | +5.14 | 112.16% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.51% | -0.14 | 0.65% |
| Allowance / Loans (%) | — | 1.78% | 0.17% | 1.61% |
| Net Charge-Off Ratio (%) | ▲ | 0.60% | -0.17 | 0.78% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 17.11% | +2.23 | 14.88% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▁▂▂▄██ | Net Interest Margin (%) | 2.64% | 2.69% | 2.63% | 2.70% | 2.71% | 2.80% | 2.99% | 2.99% |
| ▁▁▂▂▃▄██ | Return on Assets (%) | 0.79% | 0.83% | 0.86% | 0.88% | 0.92% | 1.02% | 1.31% | 1.30% |
| ██▇▇▆▃▁▁ | Efficiency Ratio (%) | 66.1% | 64.5% | 63.1% | 63.0% | 61.4% | 56.2% | 50.3% | 50.8% |
| ▁▄▁▃██▁▁ | Cost of Funds (%) | 2.57% | 2.64% | 2.57% | 2.63% | 2.76% | 2.77% | 2.56% | 2.57% |
| ▂▁▁▂▃▃█▂ | NPA / Assets (%) | 0.60% | 0.03% | 0.15% | 0.65% | 0.93% | 0.68% | 2.60% | 0.51% |
| ▂▁▁▂▃▂█▂ | Net Charge-Off Ratio (%) | 0.73% | 0.04% | 0.18% | 0.78% | 1.12% | 0.80% | 3.10% | 0.60% |
| ▂▁▃▄▅▇██ | Tang. Book Value ($M) | $27 | $26 | $27 | $27 | $28 | $29 | $29 | $29 |
| █▆▅▅▄▃▁▁ | Gross Loans ($M) | $219 | $208 | $206 | $206 | $200 | $196 | $190 | $187 |
| ▇▅▇█▆▃▃▁ | Total Deposits ($M) | $177 | $171 | $175 | $180 | $173 | $165 | $166 | $157 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 88% |
| C&I / Commercial | 7% |
| Agricultural | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 8% |
| Interest-Bearing (core) | 53% |
| Brokered / Other | 39% |