Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 4.50% | +0.36 | 4.14% |
| Return on Equity (%) | ▲ | 33.21% | +2.03 | 31.18% |
| Net Interest Margin (%) | ▲ | 6.33% | +0.37 | 5.96% |
| Efficiency Ratio (%) | ▲ | 32.11% | -2.62 | 34.73% |
| Pre-Provision Profit ($M) | ▲ | $6 | +0.94 | $5 |
| Cost of Funds (%) | ▼ | 0.92% | +0.01 | 0.91% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $420 | +5.97 | $414 |
| Gross Loans ($M) | ▲ | $346 | +13.23 | $333 |
| Loan Growth YoY (%) | ▲ | 93.74% | +3.05 | 90.69% |
| Total Deposits ($M) | ▲ | $359 | +1.39 | $358 |
| Shareholders Equity ($M) | ▲ | $59 | +4.38 | $55 |
| Tang. Book Value ($M) | ▲ | $59 | +4.38 | $55 |
| TBV excl. AOCI ($M)** | ▲ | $61 | +4.40 | $57 |
| Loan / Deposit Ratio (%) | ▲ | 93.74% | +3.05 | 90.69% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.15% | +0.12 | 0.03% |
| Allowance / Loans (%) | — | 2.73% | 0.20% | 2.53% |
| Net Charge-Off Ratio (%) | ▼ | 0.16% | +0.15 | 0.02% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 17.65% | +0.55 | 17.10% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▅▄▃█ | Net Interest Margin (%) | 5.35% | 5.44% | 5.60% | 5.96% | 5.94% | 5.83% | 5.71% | 6.33% |
| ▁▁▃▆▆▄▄█ | Return on Assets (%) | 3.55% | 3.51% | 3.76% | 4.14% | 4.20% | 3.98% | 3.89% | 4.50% |
| █▇▇▄▃▂▅▁ | Efficiency Ratio (%) | 38.1% | 37.2% | 37.2% | 34.7% | 33.8% | 33.1% | 35.2% | 32.1% |
| ▃▃▄▁▁█▂▁ | Cost of Funds (%) | 0.98% | 1.00% | 1.01% | 0.91% | 0.89% | 1.21% | 0.97% | 0.92% |
| ▂▁▁▁▇▇██ | NPA / Assets (%) | 0.05% | 0.04% | 0.04% | 0.03% | 0.14% | 0.14% | 0.16% | 0.15% |
| ▃▂▂▁█▇██ | Net Charge-Off Ratio (%) | 0.06% | 0.05% | 0.05% | 0.02% | 0.16% | 0.15% | 0.17% | 0.16% |
| ▁▁▂▅█▅▇█ | Tang. Book Value ($M) | $48 | $48 | $51 | $55 | $59 | $55 | $57 | $59 |
| ▁▂▄▆▇███ | Gross Loans ($M) | $293 | $304 | $320 | $333 | $340 | $349 | $353 | $346 |
| ▁▁▁▇▇█▇▇ | Total Deposits ($M) | $316 | $320 | $321 | $358 | $359 | $372 | $358 | $359 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 87% |
| C&I / Commercial | 9% |
| Agricultural | 1% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 40% |
| Interest-Bearing (core) | 49% |
| Brokered / Other | 11% |