Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.37% | +0.13 | 1.24% |
| Return on Equity (%) | ▲ | 10.40% | +0.65 | 9.75% |
| Net Interest Margin (%) | ▲ | 3.51% | +0.31 | 3.20% |
| Efficiency Ratio (%) | ▼ | 52.70% | +0.43 | 52.27% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.12 | $0 |
| Cost of Funds (%) | ▲ | 1.84% | -0.12 | 1.96% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $132 | +10.56 | $121 |
| Gross Loans ($M) | ▲ | $90 | +5.32 | $84 |
| Loan Growth YoY (%) | ▼ | 78.53% | -1.43 | 79.97% |
| Total Deposits ($M) | ▲ | $113 | +8.55 | $105 |
| Shareholders Equity ($M) | ▲ | $18 | +1.83 | $16 |
| Tang. Book Value ($M) | ▲ | $18 | +1.83 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +1.90 | $17 |
| Loan / Deposit Ratio (%) | ▼ | 78.53% | -1.43 | 79.97% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.01% | -0.62 | 0.62% |
| Allowance / Loans (%) | — | 0.85% | 0.08% | 0.77% |
| Net Charge-Off Ratio (%) | ▲ | 0.01% | -0.89 | 0.90% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 21.54% | +0.73 | 20.81% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆██ | Net Interest Margin (%) | 2.90% | 2.96% | 3.13% | 3.20% | 3.27% | 3.35% | 3.44% | 3.51% |
| ▁▁▇▆▆▆██ | Return on Assets (%) | 0.89% | 0.92% | 1.32% | 1.24% | 1.24% | 1.22% | 1.39% | 1.37% |
| ██▁▃▄▄▃▄ | Efficiency Ratio (%) | 58.4% | 57.4% | 48.7% | 52.3% | 52.7% | 53.1% | 51.9% | 52.7% |
| ▇█▃▄▃▃▁▁ | Cost of Funds (%) | 2.08% | 2.13% | 1.93% | 1.96% | 1.93% | 1.92% | 1.85% | 1.84% |
| ▆▆▆█▅▃▃▁ | NPA / Assets (%) | 0.46% | 0.44% | 0.42% | 0.62% | 0.33% | 0.22% | 0.20% | 0.01% |
| ▆▆▆█▅▃▃▁ | Net Charge-Off Ratio (%) | 0.67% | 0.63% | 0.61% | 0.90% | 0.51% | 0.32% | 0.30% | 0.01% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $15 | $15 | $15 | $16 | $17 | $17 | $17 | $18 |
| ▁▃▄▄▄▆▆█ | Gross Loans ($M) | $79 | $82 | $84 | $84 | $83 | $86 | $86 | $90 |
| ▁▂▅▄▇▇██ | Total Deposits ($M) | $98 | $101 | $106 | $105 | $110 | $110 | $112 | $113 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 74% |
| C&I / Commercial | 17% |
| Agricultural | 5% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 55% |
| Brokered / Other | 23% |