Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.61% | +0.45 | 1.15% |
| Return on Equity (%) | ▲ | 18.50% | +3.69 | 14.81% |
| Net Interest Margin (%) | ▲ | 3.96% | +0.62 | 3.34% |
| Efficiency Ratio (%) | ▲ | 54.24% | -4.97 | 59.20% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.15 | $1 |
| Cost of Funds (%) | ▲ | 1.08% | -0.17 | 1.25% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $174 | +6.47 | $168 |
| Gross Loans ($M) | ▲ | $114 | +11.26 | $103 |
| Loan Growth YoY (%) | ▲ | 71.79% | +3.90 | 67.89% |
| Total Deposits ($M) | ▲ | $159 | +7.34 | $151 |
| Shareholders Equity ($M) | ▲ | $15 | +1.55 | $13 |
| Tang. Book Value ($M) | ▲ | $15 | +1.55 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +1.41 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 71.79% | +3.90 | 67.89% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.29% | +0.95 | 0.34% |
| Allowance / Loans (%) | — | 0.44% | 0.04% | 0.40% |
| Net Charge-Off Ratio (%) | ▼ | 1.96% | +1.45 | 0.52% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -12.14 | 12.14% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▅▆██ | Net Interest Margin (%) | 2.74% | 2.81% | 3.25% | 3.34% | 3.41% | 3.53% | 3.95% | 3.96% |
| ▁▁▃▃▃▄██ | Return on Assets (%) | 0.86% | 0.90% | 1.15% | 1.15% | 1.14% | 1.23% | 1.70% | 1.61% |
| ██▇▆▇▆▁▂ | Efficiency Ratio (%) | 61.3% | 61.6% | 59.8% | 59.2% | 59.6% | 59.0% | 52.0% | 54.2% |
| ██▃▃▇▇▁▁ | Cost of Funds (%) | 1.56% | 1.57% | 1.23% | 1.25% | 1.45% | 1.46% | 1.08% | 1.08% |
| ▁▁▁▁▁▁▁█ | NPA / Assets (%) | 0.35% | 0.39% | 0.39% | 0.34% | 0.40% | 0.38% | 0.40% | 1.29% |
| ▁▁▁▁▁▁▁█ | Net Charge-Off Ratio (%) | 0.46% | 0.55% | 0.60% | 0.52% | 0.61% | 0.58% | 0.63% | 1.96% |
| ▁▁▃▄▅███ | Tang. Book Value ($M) | $12 | $12 | $13 | $13 | $14 | $15 | $15 | $15 |
| ▄▄▁▃▅▄▃█ | Gross Loans ($M) | $106 | $105 | $99 | $103 | $108 | $105 | $104 | $114 |
| ▁▅▅▅▆▅▅█ | Total Deposits ($M) | $140 | $151 | $150 | $151 | $154 | $150 | $152 | $159 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 64% |
| C&I / Commercial | 10% |
| Agricultural | 23% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 15% |