Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.58% | +0.30 | 1.28% |
| Return on Equity (%) | ▲ | 17.98% | +3.01 | 14.97% |
| Net Interest Margin (%) | ▲ | 3.82% | +0.05 | 3.77% |
| Efficiency Ratio (%) | ▲ | 56.80% | -9.64 | 66.44% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.20 | $1 |
| Cost of Funds (%) | ▲ | 1.95% | -0.03 | 1.98% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $210 | +35.04 | $175 |
| Gross Loans ($M) | ▲ | $153 | +22.81 | $130 |
| Loan Growth YoY (%) | ▼ | 81.75% | -2.98 | 84.73% |
| Total Deposits ($M) | ▲ | $184 | +33.36 | $151 |
| Shareholders Equity ($M) | ▲ | $19 | +3.83 | $15 |
| Tang. Book Value ($M) | ▲ | $19 | +3.83 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +4.16 | $17 |
| Loan / Deposit Ratio (%) | ▼ | 81.75% | -2.98 | 84.73% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.07% | -0.26 | 0.33% |
| Allowance / Loans (%) | — | 1.24% | -0.18% | 1.42% |
| Net Charge-Off Ratio (%) | ▲ | 0.10% | -0.34 | 0.45% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.27% | -0.65 | 12.92% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▇██▆█ | Net Interest Margin (%) | 3.42% | 3.50% | 3.58% | 3.77% | 3.82% | 3.84% | 3.73% | 3.82% |
| ▁▁▁▅▆▆▇█ | Return on Assets (%) | 0.90% | 0.91% | 0.89% | 1.28% | 1.37% | 1.40% | 1.42% | 1.58% |
| ▇▆█▅▄▃▂▁ | Efficiency Ratio (%) | 70.3% | 69.7% | 74.5% | 66.4% | 64.1% | 63.4% | 59.2% | 56.8% |
| █▇▁▃▅▅▁▂ | Cost of Funds (%) | 2.20% | 2.14% | 1.91% | 1.98% | 2.08% | 2.06% | 1.89% | 1.95% |
| ██▅▄▅▂▁▁ | NPA / Assets (%) | 0.67% | 0.65% | 0.43% | 0.33% | 0.45% | 0.15% | 0.14% | 0.07% |
| ██▆▄▅▂▂▁ | Net Charge-Off Ratio (%) | 0.94% | 0.94% | 0.63% | 0.45% | 0.60% | 0.21% | 0.21% | 0.10% |
| ▁▁▂▂▅▆▇█ | Tang. Book Value ($M) | $14 | $14 | $15 | $15 | $16 | $17 | $17 | $19 |
| ▁▁▁▄▆▆▅█ | Gross Loans ($M) | $114 | $113 | $113 | $130 | $140 | $139 | $135 | $153 |
| ▁▁▂▂▅▅██ | Total Deposits ($M) | $141 | $143 | $148 | $151 | $165 | $166 | $188 | $184 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 53% |
| C&I / Commercial | 15% |
| Agricultural | 30% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 18% |