Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.02% | -0.03 | 1.05% |
| Return on Equity (%) | ▼ | 13.36% | -1.69 | 15.05% |
| Net Interest Margin (%) | ▼ | 3.32% | -0.08 | 3.40% |
| Efficiency Ratio (%) | ▼ | 55.63% | +3.37 | 52.26% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.11 | $1 |
| Cost of Funds (%) | ▲ | 1.64% | -0.04 | 1.67% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $135 | +1.76 | $133 |
| Gross Loans ($M) | ▲ | $64 | +8.05 | $56 |
| Loan Growth YoY (%) | ▲ | 51.05% | +5.99 | 45.06% |
| Total Deposits ($M) | ▲ | $123 | +1.50 | $122 |
| Shareholders Equity ($M) | ▲ | $10 | +0.42 | $10 |
| Tang. Book Value ($M) | ▲ | $10 | +0.42 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $13 | +0.42 | $12 |
| Loan / Deposit Ratio (%) | ▲ | 51.05% | +5.99 | 45.06% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.07% | -1.11 | 1.18% |
| Allowance / Loans (%) | — | 1.45% | -0.21% | 1.66% |
| Net Charge-Off Ratio (%) | ▲ | 0.15% | -2.67 | 2.82% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.79% | -1.53 | 14.33% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▄▁██▇▅▇ | Net Interest Margin (%) | 3.23% | 3.19% | 3.01% | 3.40% | 3.36% | 3.33% | 3.24% | 3.32% |
| ▇▇▁█▇▇▇█ | Return on Assets (%) | 1.00% | 1.00% | 0.71% | 1.05% | 0.97% | 0.98% | 0.97% | 1.02% |
| ▁▂█▂▅▅█▇ | Efficiency Ratio (%) | 51.0% | 52.4% | 56.1% | 52.3% | 53.9% | 54.2% | 56.6% | 55.6% |
| █▃▁▆▇▄▃▅ | Cost of Funds (%) | 1.73% | 1.58% | 1.52% | 1.67% | 1.70% | 1.62% | 1.57% | 1.64% |
| ▁▁▃█▁▁▁▁ | NPA / Assets (%) | 0.18% | 0.20% | 0.36% | 1.18% | 0.12% | 0.11% | 0.14% | 0.07% |
| ▁▂▃█▁▁▁▁ | Net Charge-Off Ratio (%) | 0.44% | 0.51% | 0.99% | 2.82% | 0.28% | 0.28% | 0.31% | 0.15% |
| ▄▁▃▅█▇██ | Tang. Book Value ($M) | $10 | $9 | $10 | $10 | $10 | $10 | $11 | $10 |
| ▁▁▁▃▃▄▆█ | Gross Loans ($M) | $53 | $52 | $51 | $56 | $55 | $57 | $60 | $64 |
| ▁▆█▃▁▇▄▄ | Total Deposits ($M) | $118 | $126 | $130 | $122 | $118 | $128 | $123 | $123 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 16% |
| Agricultural | 4% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 13% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 9% |