Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.82% | -0.00 | 0.82% |
| Return on Equity (%) | ▼ | 6.82% | -0.06 | 6.88% |
| Net Interest Margin (%) | ▲ | 3.83% | +0.07 | 3.76% |
| Efficiency Ratio (%) | ▼ | 64.80% | +0.42 | 64.38% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.24 | $1 |
| Cost of Funds (%) | ▼ | 1.81% | +0.33 | 1.49% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $317 | +54.97 | $262 |
| Gross Loans ($M) | ▲ | $226 | +41.90 | $184 |
| Loan Growth YoY (%) | ▲ | 84.40% | +0.11 | 84.29% |
| Total Deposits ($M) | ▲ | $265 | +49.01 | $216 |
| Shareholders Equity ($M) | ▲ | $38 | +7.08 | $31 |
| Tang. Book Value ($M) | ▲ | $25 | +5.19 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +5.87 | $21 |
| Loan / Deposit Ratio (%) | ▲ | 84.40% | +0.11 | 84.29% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.73% | +1.02 | 0.71% |
| Allowance / Loans (%) | — | 0.87% | -0.04% | 0.91% |
| Net Charge-Off Ratio (%) | ▼ | 2.40% | +1.39 | 1.01% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 11.87% | +1.86 | 10.01% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▇█▁▂▁▁▁▂ | Net Interest Margin (%) | 4.31% | 4.47% | 3.71% | 3.76% | 3.72% | 3.74% | 3.65% | 3.83% |
| █▇▁▃▁▃▂▃ | Return on Assets (%) | 0.99% | 0.93% | 0.76% | 0.82% | 0.74% | 0.82% | 0.78% | 0.82% |
| ▁▂█▆▃▃▆▆ | Efficiency Ratio (%) | 59.0% | 60.5% | 67.5% | 64.4% | 62.2% | 61.8% | 64.5% | 64.8% |
| ▃▂▂▁▂▅▁█ | Cost of Funds (%) | 1.58% | 1.55% | 1.55% | 1.49% | 1.54% | 1.66% | 1.50% | 1.81% |
| ▁▁▁▃▇██▇ | NPA / Assets (%) | 0.05% | 0.03% | 0.16% | 0.71% | 1.76% | 2.04% | 2.07% | 1.73% |
| ▁▁▁▃▇██▇ | Net Charge-Off Ratio (%) | 0.07% | 0.04% | 0.21% | 1.01% | 2.47% | 2.89% | 3.01% | 2.40% |
| ▁▁▆▆▆▇▇█ | Tang. Book Value ($M) | $8 | $8 | $19 | $20 | $20 | $21 | $21 | $25 |
| ▁▁▆▆▇▇▆█ | Gross Loans ($M) | $69 | $74 | $181 | $184 | $192 | $189 | $185 | $226 |
| ▁▁▆▆▆▆▇█ | Total Deposits ($M) | $89 | $85 | $211 | $216 | $220 | $217 | $222 | $265 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 70% |
| C&I / Commercial | 5% |
| Agricultural | 17% |
| Consumer | 4% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 17% |