Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.22% | +0.01 | 2.21% |
| Return on Equity (%) | ▲ | 13.20% | +1.15 | 12.05% |
| Net Interest Margin (%) | ▼ | 5.36% | -0.25 | 5.60% |
| Efficiency Ratio (%) | ▲ | 41.14% | -2.38 | 43.52% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.14 | $1 |
| Cost of Funds (%) | ▼ | 2.51% | +0.27 | 2.24% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $211 | +29.98 | $181 |
| Gross Loans ($M) | ▲ | $164 | +30.86 | $133 |
| Loan Growth YoY (%) | ▲ | 89.66% | +3.76 | 85.90% |
| Total Deposits ($M) | ▲ | $175 | +27.64 | $147 |
| Shareholders Equity ($M) | ▲ | $35 | +2.30 | $33 |
| Tang. Book Value ($M) | ▲ | $35 | +2.30 | $33 |
| TBV excl. AOCI ($M)** | ▲ | $37 | +2.57 | $34 |
| Loan / Deposit Ratio (%) | ▲ | 89.66% | +3.76 | 85.90% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.30% | +0.09 | 0.20% |
| Allowance / Loans (%) | — | 4.60% | -0.65% | 5.25% |
| Net Charge-Off Ratio (%) | ▼ | 0.38% | +0.10 | 0.28% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 17.65% | -2.22 | 19.87% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▄█▆▃▁▇▄ | Net Interest Margin (%) | 5.56% | 5.41% | 5.82% | 5.60% | 5.27% | 5.01% | 5.65% | 5.36% |
| █▄▇▇▆▁█▇ | Return on Assets (%) | 2.49% | 1.73% | 2.22% | 2.21% | 2.04% | 1.19% | 2.40% | 2.22% |
| ▁█▂▂▂▇▁▁ | Efficiency Ratio (%) | 37.8% | 68.7% | 45.3% | 43.5% | 44.6% | 64.1% | 41.1% | 41.1% |
| ██▄▁▆▃▁▆ | Cost of Funds (%) | 2.63% | 2.64% | 2.42% | 2.24% | 2.50% | 2.35% | 2.22% | 2.51% |
| ▁▁▇▄███▇ | NPA / Assets (%) | 0.08% | 0.08% | 0.30% | 0.20% | 0.34% | 0.31% | 0.31% | 0.30% |
| ▁▁▆▄██▇▆ | Net Charge-Off Ratio (%) | 0.11% | 0.12% | 0.38% | 0.28% | 0.45% | 0.49% | 0.42% | 0.38% |
| ▂▁▃▄▆▅▇█ | Tang. Book Value ($M) | $32 | $31 | $32 | $33 | $34 | $33 | $34 | $35 |
| ▁▁▂▂▃▁▆█ | Gross Loans ($M) | $128 | $124 | $131 | $133 | $137 | $125 | $150 | $164 |
| ▁▂▁▃▃▆▇█ | Total Deposits ($M) | $138 | $140 | $133 | $147 | $148 | $161 | $167 | $175 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 66% |
| C&I / Commercial | 6% |
| Agricultural | 28% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 39% |
| Brokered / Other | 45% |