Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.62% | +0.13 | 1.50% |
| Return on Equity (%) | ▼ | 12.51% | -0.09 | 12.60% |
| Net Interest Margin (%) | ▲ | 4.33% | +0.36 | 3.97% |
| Efficiency Ratio (%) | ▲ | 50.39% | -0.07 | 50.45% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.13 | $1 |
| Cost of Funds (%) | ▲ | 1.10% | -0.04 | 1.14% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $160 | +1.02 | $159 |
| Gross Loans ($M) | ▲ | $107 | +1.89 | $105 |
| Loan Growth YoY (%) | ▲ | 77.53% | +1.86 | 75.67% |
| Total Deposits ($M) | ▼ | $137 | -0.87 | $138 |
| Shareholders Equity ($M) | ▲ | $21 | +1.70 | $20 |
| Tang. Book Value ($M) | ▲ | $21 | +1.70 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $23 | +1.81 | $21 |
| Loan / Deposit Ratio (%) | ▲ | 77.53% | +1.86 | 75.67% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.16% | +0.84 | 0.33% |
| Allowance / Loans (%) | — | 0.91% | -0.01% | 0.92% |
| Net Charge-Off Ratio (%) | ▼ | 1.59% | +1.20 | 0.40% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 21.75% | +0.56 | 21.19% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆██ | Net Interest Margin (%) | 3.66% | 3.69% | 3.87% | 3.97% | 4.06% | 4.10% | 4.26% | 4.33% |
| ▁▁▆▆▆▆▆█ | Return on Assets (%) | 1.27% | 1.27% | 1.49% | 1.50% | 1.53% | 1.50% | 1.53% | 1.62% |
| ██▁▁▁▃▅▁ | Efficiency Ratio (%) | 54.9% | 55.5% | 50.5% | 50.5% | 50.6% | 52.0% | 53.2% | 50.4% |
| █▇█▄▄▅▁▂ | Cost of Funds (%) | 1.23% | 1.20% | 1.21% | 1.14% | 1.13% | 1.16% | 1.07% | 1.10% |
| ▁▁▁▂▁███ | NPA / Assets (%) | 0.15% | 0.16% | 0.18% | 0.33% | 0.24% | 1.09% | 1.07% | 1.16% |
| ▁▁▁▂▁███ | Net Charge-Off Ratio (%) | 0.22% | 0.24% | 0.17% | 0.40% | 0.27% | 1.56% | 1.48% | 1.59% |
| ▂▁▃▄▆▆▇█ | Tang. Book Value ($M) | $19 | $18 | $19 | $20 | $20 | $20 | $21 | $21 |
| ▂▁▇▆▆▆▇█ | Gross Loans ($M) | $101 | $100 | $106 | $105 | $105 | $105 | $106 | $107 |
| ▁▁█▅▁▅▆▂ | Total Deposits ($M) | $136 | $136 | $139 | $138 | $136 | $138 | $138 | $137 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 14% |
| Agricultural | 3% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 4% |