Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.32% | +0.17 | 1.15% |
| Return on Equity (%) | ▲ | 16.46% | +0.55 | 15.91% |
| Net Interest Margin (%) | ▲ | 3.83% | +0.40 | 3.43% |
| Efficiency Ratio (%) | ▲ | 57.22% | -1.66 | 58.88% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.02 | $1 |
| Cost of Funds (%) | ▲ | 1.37% | -0.08 | 1.45% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $134 | -7.76 | $142 |
| Gross Loans ($M) | ▲ | $83 | +3.15 | $80 |
| Loan Growth YoY (%) | ▲ | 67.11% | +6.62 | 60.49% |
| Total Deposits ($M) | ▼ | $122 | -8.30 | $130 |
| Shareholders Equity ($M) | ▲ | $11 | +0.46 | $11 |
| Tang. Book Value ($M) | ▲ | $11 | +0.46 | $11 |
| TBV excl. AOCI ($M)** | ▼ | $13 | -0.01 | $13 |
| Loan / Deposit Ratio (%) | ▲ | 67.11% | +6.62 | 60.49% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.11% | -0.35 | 1.46% |
| Allowance / Loans (%) | — | 1.11% | 0.07% | 1.05% |
| Net Charge-Off Ratio (%) | ▲ | 1.80% | -0.81 | 2.60% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 16.94% | -0.73 | 17.67% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▆▇▇█ | Net Interest Margin (%) | 3.04% | 3.12% | 3.27% | 3.43% | 3.58% | 3.67% | 3.73% | 3.83% |
| ▁▁▃▅▇▆██ | Return on Assets (%) | 0.93% | 0.93% | 1.07% | 1.15% | 1.26% | 1.21% | 1.35% | 1.32% |
| ▇█▅▄▁▄▁▂ | Efficiency Ratio (%) | 62.2% | 63.2% | 59.6% | 58.9% | 56.1% | 58.7% | 56.0% | 57.2% |
| █▆▄▅▃▁▂▃ | Cost of Funds (%) | 1.64% | 1.50% | 1.40% | 1.45% | 1.36% | 1.23% | 1.30% | 1.37% |
| ▁▇██▆▄▄▅ | NPA / Assets (%) | 0.56% | 1.33% | 1.37% | 1.46% | 1.20% | 0.97% | 1.00% | 1.11% |
| ▁▇██▆▄▄▄ | Net Charge-Off Ratio (%) | 1.04% | 2.40% | 2.53% | 2.60% | 2.08% | 1.66% | 1.70% | 1.80% |
| ▃▁▃▆▇█▆█ | Tang. Book Value ($M) | $10 | $10 | $10 | $11 | $11 | $11 | $11 | $11 |
| ▁▁▄▄▅▆▇█ | Gross Loans ($M) | $77 | $78 | $79 | $80 | $80 | $81 | $82 | $83 |
| ▇▄█▆▄▃▄▁ | Total Deposits ($M) | $132 | $129 | $135 | $130 | $127 | $126 | $128 | $122 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 87% |
| C&I / Commercial | 4% |
| Agricultural | 6% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 75% |
| Brokered / Other | 2% |