Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.05% | +0.12 | 1.93% |
| Return on Equity (%) | ▲ | 21.29% | +2.00 | 19.29% |
| Net Interest Margin (%) | ▲ | 4.68% | +0.01 | 4.67% |
| Efficiency Ratio (%) | ▲ | 58.29% | -2.21 | 60.50% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.10 | $1 |
| Cost of Funds (%) | ▲ | 1.54% | -0.08 | 1.62% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $225 | +3.86 | $221 |
| Gross Loans ($M) | ▲ | $126 | +2.93 | $123 |
| Loan Growth YoY (%) | ▲ | 62.19% | +0.18 | 62.01% |
| Total Deposits ($M) | ▲ | $200 | +4.20 | $196 |
| Shareholders Equity ($M) | ▼ | $23 | -0.35 | $23 |
| Tang. Book Value ($M) | ▼ | $23 | -0.35 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $25 | +0.08 | $25 |
| Loan / Deposit Ratio (%) | ▲ | 62.19% | +0.18 | 62.01% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.49% | +0.24 | 0.25% |
| Allowance / Loans (%) | — | 1.28% | -0.05% | 1.33% |
| Net Charge-Off Ratio (%) | ▼ | 0.76% | +0.54 | 0.22% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 21.95% | -0.19 | 22.14% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▇▃█▃▃▁▇▃ | Net Interest Margin (%) | 4.87% | 4.68% | 4.91% | 4.67% | 4.66% | 4.57% | 4.85% | 4.68% |
| ▆▂▇▄▃▁█▅ | Return on Assets (%) | 2.09% | 1.75% | 2.24% | 1.93% | 1.90% | 1.63% | 2.34% | 2.05% |
| ▄▇▃▆▆█▁▄ | Efficiency Ratio (%) | 58.5% | 62.4% | 56.7% | 60.5% | 60.7% | 63.7% | 54.1% | 58.3% |
| █▅▃▄▆▂▁▁ | Cost of Funds (%) | 1.71% | 1.64% | 1.59% | 1.62% | 1.66% | 1.57% | 1.56% | 1.54% |
| ▁▁▂▁▅▆█▅ | NPA / Assets (%) | 0.21% | 0.21% | 0.29% | 0.25% | 0.54% | 0.60% | 0.77% | 0.49% |
| ▁▁▂▁▅▇█▄ | Net Charge-Off Ratio (%) | 0.20% | 0.27% | 0.41% | 0.22% | 0.86% | 1.16% | 1.38% | 0.76% |
| ▃▁▄▆█▂▄▅ | Tang. Book Value ($M) | $22 | $21 | $22 | $23 | $24 | $21 | $22 | $23 |
| ▄▁▄█▆▃▅█ | Gross Loans ($M) | $112 | $102 | $113 | $123 | $119 | $109 | $116 | $126 |
| ▁▅▄▄▄█▆▅ | Total Deposits ($M) | $183 | $198 | $194 | $196 | $197 | $212 | $204 | $200 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 55% |
| C&I / Commercial | 7% |
| Agricultural | 31% |
| Consumer | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 48% |
| Brokered / Other | 25% |