Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.26% | +0.28 | 0.99% |
| Return on Equity (%) | ▲ | 8.99% | +1.15 | 7.84% |
| Net Interest Margin (%) | ▲ | 3.20% | +0.58 | 2.62% |
| Efficiency Ratio (%) | ▲ | 51.91% | -7.03 | 58.94% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.16 | $1 |
| Cost of Funds (%) | ▲ | 1.71% | -0.15 | 1.86% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $172 | +2.29 | $170 |
| Gross Loans ($M) | ▲ | $108 | +1.13 | $107 |
| Loan Growth YoY (%) | ▲ | 85.51% | +2.77 | 82.74% |
| Total Deposits ($M) | ▼ | $124 | -3.05 | $128 |
| Shareholders Equity ($M) | ▲ | $25 | +2.62 | $22 |
| Tang. Book Value ($M) | ▲ | $20 | +2.62 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $23 | +2.77 | $20 |
| Loan / Deposit Ratio (%) | ▲ | 85.51% | +2.77 | 82.74% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.17% | -0.31 | 1.48% |
| Allowance / Loans (%) | — | 1.14% | 0.18% | 0.96% |
| Net Charge-Off Ratio (%) | ▲ | 1.86% | -0.49 | 2.36% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▁▂▂▃▇█ | Net Interest Margin (%) | 2.55% | 2.65% | 2.48% | 2.62% | 2.66% | 2.71% | 3.08% | 3.20% |
| ▃▄▁▄▅▅▆█ | Return on Assets (%) | 0.90% | 0.95% | 0.76% | 0.99% | 1.04% | 1.04% | 1.11% | 1.26% |
| ▆▆█▅▄▄▂▁ | Efficiency Ratio (%) | 61.4% | 61.2% | 65.5% | 58.9% | 57.7% | 58.6% | 54.5% | 51.9% |
| █▅▄▃▃▄▂▁ | Cost of Funds (%) | 2.19% | 2.01% | 1.91% | 1.86% | 1.89% | 1.93% | 1.81% | 1.71% |
| ▁▁██▇▇▇▇ | NPA / Assets (%) | 0.12% | 0.06% | 1.39% | 1.48% | 1.24% | 1.22% | 1.20% | 1.17% |
| ▁▁██▇▇▇▇ | Net Charge-Off Ratio (%) | 0.18% | 0.09% | 2.13% | 2.36% | 1.95% | 1.94% | 1.92% | 1.86% |
| ▃▁▂▄▇▇██ | Tang. Book Value ($M) | $17 | $16 | $17 | $18 | $19 | $19 | $20 | $20 |
| █▄▄▁▃▄▁▂ | Gross Loans ($M) | $111 | $109 | $109 | $107 | $108 | $108 | $107 | $108 |
| ▁▃▇█▅▁▁▃ | Total Deposits ($M) | $123 | $125 | $127 | $128 | $126 | $123 | $124 | $124 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 79% |
| C&I / Commercial | 5% |
| Agricultural | 14% |
| Consumer | 1% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 48% |
| Brokered / Other | 30% |