Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.21% | +0.40 | 0.81% |
| Return on Equity (%) | ▲ | 12.32% | +4.03 | 8.29% |
| Net Interest Margin (%) | ▲ | 4.64% | +0.16 | 4.47% |
| Efficiency Ratio (%) | ▲ | 59.71% | -2.89 | 62.60% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.12 | $1 |
| Cost of Funds (%) | ▲ | 1.45% | -0.22 | 1.67% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $145 | -1.63 | $147 |
| Gross Loans ($M) | ▲ | $108 | +1.49 | $107 |
| Loan Growth YoY (%) | ▼ | 85.03% | -0.81 | 85.84% |
| Total Deposits ($M) | ▲ | $125 | +2.39 | $123 |
| Shareholders Equity ($M) | ▲ | $15 | +0.17 | $14 |
| Tang. Book Value ($M) | ▲ | $15 | +0.21 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +0.42 | $16 |
| Loan / Deposit Ratio (%) | ▼ | 85.03% | -0.81 | 85.84% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.71% | +0.36 | 1.35% |
| Allowance / Loans (%) | — | 1.64% | 0.39% | 1.25% |
| Net Charge-Off Ratio (%) | ▼ | 2.30% | +0.44 | 1.85% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.15% | +0.12 | 13.03% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▇▆▆█ | Net Interest Margin (%) | 4.36% | 4.34% | 4.44% | 4.47% | 4.57% | 4.56% | 4.55% | 4.64% |
| ▂▁▅▄▆▃██ | Return on Assets (%) | 0.61% | 0.46% | 0.91% | 0.81% | 0.93% | 0.72% | 1.14% | 1.21% |
| ▄█▂▃▂█▁▁ | Efficiency Ratio (%) | 64.4% | 70.5% | 60.9% | 62.6% | 61.5% | 69.8% | 58.7% | 59.7% |
| █▇▅▆▅▃▁▁ | Cost of Funds (%) | 1.79% | 1.74% | 1.64% | 1.67% | 1.61% | 1.54% | 1.41% | 1.45% |
| █▆▂▁▂▁▁▃ | NPA / Assets (%) | 2.48% | 2.11% | 1.52% | 1.35% | 1.56% | 1.35% | 1.28% | 1.71% |
| █▅▁▁▃▁▁▃ | Net Charge-Off Ratio (%) | 3.09% | 2.62% | 1.91% | 1.85% | 2.18% | 1.85% | 1.85% | 2.30% |
| ▃▃▁▃██▂▅ | Tang. Book Value ($M) | $14 | $14 | $14 | $14 | $15 | $15 | $14 | $15 |
| ██▄▃▁▄▂▃ | Gross Loans ($M) | $116 | $116 | $109 | $107 | $103 | $108 | $106 | $108 |
| ▂▄▇▃▁▅█▆ | Total Deposits ($M) | $121 | $123 | $127 | $123 | $119 | $125 | $129 | $125 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 24% |
| C&I / Commercial | 69% |
| Agricultural | 6% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 5% |