Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.03% | +0.14 | 0.90% |
| Return on Equity (%) | ▼ | 12.78% | -0.35 | 13.13% |
| Net Interest Margin (%) | ▲ | 3.52% | +0.15 | 3.37% |
| Efficiency Ratio (%) | ▲ | 64.81% | -0.83 | 65.63% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.44 | $1 |
| Cost of Funds (%) | ▲ | 1.40% | -0.18 | 1.58% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $355 | +123.56 | $232 |
| Gross Loans ($M) | ▲ | $247 | +88.48 | $158 |
| Loan Growth YoY (%) | ▲ | 75.39% | +2.21 | 73.18% |
| Total Deposits ($M) | ▲ | $323 | +110.44 | $213 |
| Shareholders Equity ($M) | ▲ | $30 | +12.85 | $17 |
| Tang. Book Value ($M) | ▲ | $27 | +10.15 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +12.06 | $19 |
| Loan / Deposit Ratio (%) | ▲ | 75.39% | +2.21 | 73.18% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.21% | +0.56 | 0.65% |
| Allowance / Loans (%) | — | 1.13% | -0.32% | 1.45% |
| Net Charge-Off Ratio (%) | ▲ | 0.80% | -0.15 | 0.94% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.37% | +0.49 | 12.88% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▇█▂█ | Net Interest Margin (%) | 3.04% | 3.09% | 3.23% | 3.37% | 3.52% | 3.59% | 3.17% | 3.52% |
| ▁▁▆▅██▄▇ | Return on Assets (%) | 0.64% | 0.69% | 0.98% | 0.90% | 1.08% | 1.11% | 0.86% | 1.03% |
| █▇▄▂▁▁▂▁ | Efficiency Ratio (%) | 72.9% | 71.7% | 67.8% | 65.6% | 63.8% | 64.0% | 66.0% | 64.8% |
| █▇▇▅▄▄▁▃ | Cost of Funds (%) | 1.86% | 1.72% | 1.69% | 1.58% | 1.50% | 1.43% | 1.15% | 1.40% |
| ▁▁▁▁██▆▇ | NPA / Assets (%) | 0.65% | 0.65% | 0.64% | 0.65% | 1.39% | 1.39% | 1.20% | 1.21% |
| ▃▃▂▂██▁▁ | Net Charge-Off Ratio (%) | 0.97% | 0.95% | 0.94% | 0.94% | 1.40% | 1.39% | 0.85% | 0.80% |
| ▁▁▁▂▂▃██ | Tang. Book Value ($M) | $15 | $15 | $16 | $17 | $17 | $18 | $26 | $27 |
| ▁▁▁▁▁▁▇█ | Gross Loans ($M) | $153 | $159 | $159 | $158 | $155 | $159 | $230 | $247 |
| ▁▁▁▁▁▁██ | Total Deposits ($M) | $211 | $218 | $215 | $213 | $213 | $215 | $326 | $323 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 75% |
| C&I / Commercial | 10% |
| Agricultural | 10% |
| Consumer | 4% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 4% |