Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.83% | -0.03 | 1.86% |
| Return on Equity (%) | ▼ | 15.48% | -1.88 | 17.36% |
| Net Interest Margin (%) | ▼ | 4.93% | -0.08 | 5.01% |
| Efficiency Ratio (%) | ▲ | 51.79% | -0.45 | 52.24% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.06 | $3 |
| Cost of Funds (%) | ▲ | 1.38% | -0.01 | 1.39% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $420 | +19.64 | $401 |
| Gross Loans ($M) | ▲ | $299 | +17.11 | $282 |
| Loan Growth YoY (%) | ▲ | 80.31% | +1.89 | 78.42% |
| Total Deposits ($M) | ▲ | $365 | +12.40 | $353 |
| Shareholders Equity ($M) | ▲ | $51 | +6.61 | $44 |
| Tang. Book Value ($M) | ▲ | $51 | +6.61 | $44 |
| TBV excl. AOCI ($M)** | ▲ | $53 | +6.96 | $46 |
| Loan / Deposit Ratio (%) | ▲ | 80.31% | +1.89 | 78.42% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.26% | +0.20 | 0.05% |
| Allowance / Loans (%) | — | 1.95% | 0.05% | 1.90% |
| Net Charge-Off Ratio (%) | ▼ | 0.36% | +0.28 | 0.08% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 18.92% | +1.41 | 17.51% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▆▇█▁▃ | Net Interest Margin (%) | 5.12% | 5.11% | 4.85% | 5.01% | 5.08% | 5.09% | 4.84% | 4.93% |
| ▃▅▁▇▇█▂▅ | Return on Assets (%) | 1.79% | 1.83% | 1.74% | 1.86% | 1.87% | 1.90% | 1.77% | 1.83% |
| ██▅▂▂▂▁▁ | Efficiency Ratio (%) | 54.9% | 54.6% | 53.5% | 52.2% | 52.1% | 52.1% | 51.6% | 51.8% |
| █▁▂▄▆█▁▄ | Cost of Funds (%) | 1.43% | 1.35% | 1.37% | 1.39% | 1.41% | 1.43% | 1.36% | 1.38% |
| ▁▁▂▁▁▂▂█ | NPA / Assets (%) | 0.07% | 0.07% | 0.08% | 0.05% | 0.08% | 0.08% | 0.10% | 0.26% |
| ▁▁▂▁▁▂▂█ | Net Charge-Off Ratio (%) | 0.09% | 0.11% | 0.12% | 0.08% | 0.11% | 0.12% | 0.14% | 0.36% |
| ▁▁▂▃▅▇▇█ | Tang. Book Value ($M) | $40 | $41 | $42 | $44 | $47 | $49 | $49 | $51 |
| ▁▁▃▅▆▇██ | Gross Loans ($M) | $261 | $263 | $274 | $282 | $286 | $290 | $295 | $299 |
| ▁▅▆▆▇███ | Total Deposits ($M) | $315 | $343 | $353 | $353 | $358 | $360 | $366 | $365 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 79% |
| C&I / Commercial | 14% |
| Agricultural | 2% |
| Consumer | 5% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 10% |