Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.91% | +0.30 | 1.60% |
| Return on Equity (%) | ▲ | 12.19% | +1.66 | 10.53% |
| Net Interest Margin (%) | ▲ | 3.32% | +0.24 | 3.08% |
| Efficiency Ratio (%) | ▲ | 40.49% | -5.10 | 45.59% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.31 | $1 |
| Cost of Funds (%) | ▲ | 1.24% | -0.09 | 1.32% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $198 | +18.23 | $180 |
| Gross Loans ($M) | ▲ | $115 | +7.23 | $108 |
| Loan Growth YoY (%) | ▼ | 71.04% | -1.98 | 73.02% |
| Total Deposits ($M) | ▲ | $160 | +14.24 | $146 |
| Shareholders Equity ($M) | ▲ | $31 | +3.12 | $28 |
| Tang. Book Value ($M) | ▲ | $30 | +3.12 | $27 |
| TBV excl. AOCI ($M)** | ▲ | $34 | +3.58 | $31 |
| Loan / Deposit Ratio (%) | ▼ | 71.04% | -1.98 | 73.02% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.07% | -0.00 | 0.08% |
| Allowance / Loans (%) | — | 1.09% | -0.06% | 1.15% |
| Net Charge-Off Ratio (%) | ▲ | 0.03% | -0.10 | 0.13% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 26.59% | +0.02 | 26.57% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▁▂▃▄█ | Net Interest Margin (%) | 3.06% | 3.07% | 3.06% | 3.08% | 3.10% | 3.15% | 3.18% | 3.32% |
| ▂▁▂▁▁▁▄█ | Return on Assets (%) | 1.63% | 1.59% | 1.64% | 1.60% | 1.59% | 1.62% | 1.75% | 1.91% |
| ▄▅█▆▆▆▄▁ | Efficiency Ratio (%) | 43.3% | 44.3% | 47.8% | 45.6% | 45.9% | 45.2% | 43.7% | 40.5% |
| ▂▂▁▅█▅▂▂ | Cost of Funds (%) | 1.24% | 1.23% | 1.20% | 1.32% | 1.40% | 1.32% | 1.23% | 1.24% |
| ▄▁▁▁█▃█▁ | NPA / Assets (%) | 0.21% | 0.11% | 0.07% | 0.08% | 0.38% | 0.17% | 0.35% | 0.07% |
| ▅▂▂▂█▄█▁ | Net Charge-Off Ratio (%) | 0.34% | 0.17% | 0.12% | 0.13% | 0.63% | 0.28% | 0.60% | 0.03% |
| ▂▁▂▃▆▆▇█ | Tang. Book Value ($M) | $27 | $26 | $27 | $27 | $29 | $29 | $30 | $30 |
| ▁▃▂▂▆▇▅█ | Gross Loans ($M) | $106 | $109 | $107 | $108 | $112 | $113 | $111 | $115 |
| ▁▁▄▃▅▅██ | Total Deposits ($M) | $137 | $140 | $147 | $146 | $151 | $151 | $162 | $160 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 72% |
| C&I / Commercial | 4% |
| Agricultural | 22% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 12% |