Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.41% | +0.11 | 1.30% |
| Return on Equity (%) | ▼ | 17.03% | -0.13 | 17.16% |
| Net Interest Margin (%) | ▲ | 4.07% | +0.28 | 3.79% |
| Efficiency Ratio (%) | ▲ | 50.85% | -1.36 | 52.21% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.06 | $1 |
| Cost of Funds (%) | ▲ | 1.46% | -0.27 | 1.73% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $130 | +0.94 | $129 |
| Gross Loans ($M) | ▼ | $91 | -0.71 | $91 |
| Loan Growth YoY (%) | ▼ | 75.98% | -0.77 | 76.75% |
| Total Deposits ($M) | ▲ | $118 | +0.06 | $118 |
| Shareholders Equity ($M) | ▲ | $11 | +1.10 | $10 |
| Tang. Book Value ($M) | ▲ | $11 | +1.10 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $12 | +1.30 | $11 |
| Loan / Deposit Ratio (%) | ▼ | 75.98% | -0.77 | 76.75% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.23% | +0.10 | 0.12% |
| Allowance / Loans (%) | — | 1.29% | 0.18% | 1.12% |
| Net Charge-Off Ratio (%) | ▼ | 0.33% | +0.15 | 0.18% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.29% | +1.18 | 12.10% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▆██ | Net Interest Margin (%) | 3.40% | 3.44% | 3.73% | 3.79% | 3.85% | 3.87% | 4.04% | 4.07% |
| ▂▁▅▅▅▅█▇ | Return on Assets (%) | 1.13% | 1.07% | 1.34% | 1.30% | 1.33% | 1.31% | 1.51% | 1.41% |
| ██▂▄▄▆▁▃ | Efficiency Ratio (%) | 55.9% | 55.8% | 50.1% | 52.2% | 52.1% | 53.4% | 48.9% | 50.9% |
| █▆▅▅▅▃▁▁ | Cost of Funds (%) | 1.95% | 1.82% | 1.74% | 1.73% | 1.76% | 1.62% | 1.48% | 1.46% |
| ▁▁▁▁▇▆█▃ | NPA / Assets (%) | 0.07% | 0.05% | 0.06% | 0.12% | 0.53% | 0.45% | 0.66% | 0.23% |
| ▁▁▁▂▇▆█▃ | Net Charge-Off Ratio (%) | 0.03% | 0.07% | 0.09% | 0.18% | 0.75% | 0.65% | 0.98% | 0.33% |
| ▃▁▃▃▆▇██ | Tang. Book Value ($M) | $10 | $9 | $10 | $10 | $11 | $11 | $11 | $11 |
| ▁██▇▅█▃▆ | Gross Loans ($M) | $88 | $92 | $92 | $91 | $90 | $92 | $89 | $91 |
| ▁▄▃▅▃█▅▅ | Total Deposits ($M) | $114 | $117 | $116 | $118 | $117 | $122 | $119 | $118 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 73% |
| C&I / Commercial | 17% |
| Agricultural | 6% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 15% |