Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.72% | +0.36 | 2.36% |
| Return on Equity (%) | ▲ | 17.53% | +1.72 | 15.81% |
| Net Interest Margin (%) | ▲ | 4.64% | +0.11 | 4.53% |
| Efficiency Ratio (%) | ▲ | 44.62% | -2.47 | 47.09% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.08 | $1 |
| Cost of Funds (%) | ▲ | 1.75% | -0.18 | 1.93% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $112 | +2.95 | $109 |
| Gross Loans ($M) | ▲ | $84 | +3.10 | $81 |
| Loan Growth YoY (%) | ▲ | 87.93% | +2.29 | 85.64% |
| Total Deposits ($M) | ▲ | $94 | +1.09 | $93 |
| Shareholders Equity ($M) | ▲ | $18 | +1.76 | $16 |
| Tang. Book Value ($M) | ▲ | $18 | +1.76 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 87.93% | +2.29 | 85.64% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.61% | +0.08 | 0.53% |
| Allowance / Loans (%) | — | 1.70% | -0.03% | 1.73% |
| Net Charge-Off Ratio (%) | ▼ | 0.81% | +0.10 | 0.71% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 23.29% | +1.60 | 21.69% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▂▄▄▂▄ | Net Interest Margin (%) | 4.89% | 4.90% | 4.47% | 4.53% | 4.66% | 4.68% | 4.57% | 4.64% |
| █▆▁▁▂▁▂▃ | Return on Assets (%) | 3.44% | 3.08% | 2.39% | 2.36% | 2.47% | 2.30% | 2.55% | 2.72% |
| ▁▃█▆▅▆▆▄ | Efficiency Ratio (%) | 39.9% | 42.8% | 49.8% | 47.1% | 45.2% | 46.9% | 46.2% | 44.6% |
| ▄████▆▂▁ | Cost of Funds (%) | 1.84% | 1.95% | 1.92% | 1.93% | 1.94% | 1.88% | 1.79% | 1.75% |
| ▆▃▁▄▅█▆▆ | NPA / Assets (%) | 0.62% | 0.42% | 0.26% | 0.53% | 0.58% | 0.80% | 0.63% | 0.61% |
| ▆▃▁▄▅█▆▆ | Net Charge-Off Ratio (%) | 0.80% | 0.56% | 0.36% | 0.71% | 0.76% | 1.07% | 0.88% | 0.81% |
| ▂▄▁▂▄▆▆█ | Tang. Book Value ($M) | $16 | $17 | $16 | $16 | $17 | $17 | $17 | $18 |
| ▁▂▂▄▆█▆█ | Gross Loans ($M) | $78 | $79 | $79 | $81 | $82 | $84 | $82 | $84 |
| ▁▃▇▆▄▇█▇ | Total Deposits ($M) | $85 | $89 | $94 | $93 | $90 | $94 | $96 | $94 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 15% |
| Agricultural | 4% |
| Consumer | 13% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 75% |
| Brokered / Other | 4% |