Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.48% | +0.08 | 1.41% |
| Return on Equity (%) | ▲ | 13.91% | +1.19 | 12.72% |
| Net Interest Margin (%) | ▲ | 4.69% | +0.43 | 4.26% |
| Efficiency Ratio (%) | ▲ | 62.54% | -3.42 | 65.96% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.57 | $1 |
| Cost of Funds (%) | ▲ | 2.12% | -0.14 | 2.27% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $426 | +40.12 | $386 |
| Gross Loans ($M) | ▲ | $338 | +59.85 | $278 |
| Loan Growth YoY (%) | ▲ | 89.38% | +7.88 | 81.50% |
| Total Deposits ($M) | ▲ | $375 | +36.11 | $339 |
| Shareholders Equity ($M) | ▲ | $45 | +3.61 | $41 |
| Tang. Book Value ($M) | ▲ | $44 | +3.73 | $40 |
| TBV excl. AOCI ($M)** | ▲ | $46 | +3.77 | $42 |
| Loan / Deposit Ratio (%) | ▲ | 89.38% | +7.88 | 81.50% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.76% | -0.20 | 0.96% |
| Allowance / Loans (%) | — | 0.97% | 0.10% | 0.86% |
| Net Charge-Off Ratio (%) | ▲ | 0.94% | -0.17 | 1.10% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -15.31 | 15.31% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▃▄▅██ | Net Interest Margin (%) | 4.04% | 4.03% | 4.29% | 4.26% | 4.35% | 4.43% | 4.66% | 4.69% |
| ▄▃▄▄▄▁▃█ | Return on Assets (%) | 1.41% | 1.39% | 1.40% | 1.41% | 1.41% | 1.35% | 1.39% | 1.48% |
| ▅▄█▇▆▆▃▁ | Efficiency Ratio (%) | 65.1% | 64.3% | 66.6% | 66.0% | 65.5% | 65.2% | 64.0% | 62.5% |
| █▆▂▄▆▁▁▁ | Cost of Funds (%) | 2.53% | 2.41% | 2.16% | 2.27% | 2.38% | 2.12% | 2.08% | 2.12% |
| ▇██▂▂▃▃▁ | NPA / Assets (%) | 1.45% | 1.58% | 1.48% | 0.96% | 0.94% | 1.07% | 1.02% | 0.76% |
| ███▂▁▄▄▁ | Net Charge-Off Ratio (%) | 1.82% | 1.81% | 1.76% | 1.10% | 1.04% | 1.33% | 1.29% | 0.94% |
| ▂▁▃▄▆▆▇█ | Tang. Book Value ($M) | $38 | $37 | $39 | $40 | $42 | $42 | $43 | $44 |
| ▁▁▂▃▄▆▇█ | Gross Loans ($M) | $262 | $257 | $271 | $278 | $295 | $309 | $318 | $338 |
| ▁▁▄▅▅▆██ | Total Deposits ($M) | $282 | $284 | $318 | $339 | $332 | $341 | $364 | $375 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 8% |
| Agricultural | 7% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 24% |