Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.07% | +0.33 | 1.74% |
| Return on Equity (%) | ▲ | 17.67% | +2.93 | 14.74% |
| Net Interest Margin (%) | ▲ | 4.56% | +0.37 | 4.19% |
| Efficiency Ratio (%) | ▲ | 54.25% | -2.79 | 57.04% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.27 | $1 |
| Cost of Funds (%) | ▲ | 1.69% | -0.03 | 1.72% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $242 | +15.37 | $227 |
| Gross Loans ($M) | ▲ | $182 | +10.85 | $171 |
| Loan Growth YoY (%) | ▼ | 87.38% | -1.21 | 88.59% |
| Total Deposits ($M) | ▲ | $206 | +14.72 | $191 |
| Shareholders Equity ($M) | ▲ | $29 | +1.20 | $27 |
| Tang. Book Value ($M) | ▲ | $27 | +1.22 | $26 |
| TBV excl. AOCI ($M)** | ▲ | $29 | +1.27 | $28 |
| Loan / Deposit Ratio (%) | ▼ | 87.38% | -1.21 | 88.59% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.07% | -0.04 | 0.12% |
| Allowance / Loans (%) | — | 1.24% | 0.10% | 1.15% |
| Net Charge-Off Ratio (%) | ▲ | 0.10% | -0.06 | 0.15% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▆██ | Net Interest Margin (%) | 3.72% | 3.80% | 4.08% | 4.19% | 4.27% | 4.32% | 4.49% | 4.56% |
| ▁▁▃▅▆▆▇█ | Return on Assets (%) | 1.36% | 1.44% | 1.63% | 1.74% | 1.81% | 1.85% | 1.91% | 2.07% |
| █▇▄▃▂▁▂▁ | Efficiency Ratio (%) | 64.7% | 62.9% | 58.6% | 57.0% | 55.8% | 55.1% | 55.9% | 54.2% |
| █▇▁▂▃▃▁▂ | Cost of Funds (%) | 2.05% | 1.96% | 1.64% | 1.72% | 1.75% | 1.74% | 1.63% | 1.69% |
| █▆▄▄▂▁▂▁ | NPA / Assets (%) | 0.18% | 0.14% | 0.12% | 0.12% | 0.09% | 0.07% | 0.10% | 0.07% |
| █▅▄▄▂▁▂▁ | Net Charge-Off Ratio (%) | 0.23% | 0.18% | 0.16% | 0.15% | 0.12% | 0.10% | 0.13% | 0.10% |
| ▂▁▁▅▄▇▆█ | Tang. Book Value ($M) | $25 | $24 | $24 | $26 | $25 | $26 | $26 | $27 |
| ▁▃▁▃▄███ | Gross Loans ($M) | $166 | $171 | $167 | $171 | $174 | $183 | $183 | $182 |
| ▁▃▄▄▇▇██ | Total Deposits ($M) | $177 | $187 | $190 | $191 | $201 | $200 | $204 | $206 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 65% |
| C&I / Commercial | 18% |
| Agricultural | 16% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 14% |