Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.61% | +0.11 | 0.50% |
| Return on Equity (%) | ▲ | 7.71% | +0.88 | 6.83% |
| Net Interest Margin (%) | ▲ | 4.01% | +0.40 | 3.60% |
| Efficiency Ratio (%) | ▲ | 78.76% | -0.38 | 79.14% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.00 | $1 |
| Cost of Funds (%) | ▼ | 1.32% | +0.24 | 1.08% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $323 | -1.40 | $325 |
| Gross Loans ($M) | ▲ | $199 | +18.10 | $181 |
| Loan Growth YoY (%) | ▲ | 72.73% | +7.86 | 64.87% |
| Total Deposits ($M) | ▼ | $269 | -5.72 | $274 |
| Shareholders Equity ($M) | ▲ | $25 | +1.73 | $23 |
| Tang. Book Value ($M) | ▲ | $25 | +1.82 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $29 | +1.60 | $28 |
| Loan / Deposit Ratio (%) | ▲ | 72.73% | +7.86 | 64.87% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.06% | +0.38 | 0.68% |
| Allowance / Loans (%) | — | 1.75% | 0.21% | 1.54% |
| Net Charge-Off Ratio (%) | ▲ | 0.33% | -0.12 | 0.45% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▇██ | Net Interest Margin (%) | 3.11% | 3.21% | 3.55% | 3.60% | 3.69% | 3.81% | 4.02% | 4.01% |
| ▂▃▁▂▅█▆▆ | Return on Assets (%) | 0.50% | 0.53% | 0.45% | 0.50% | 0.57% | 0.67% | 0.59% | 0.61% |
| █▇█▆▃▁▆▆ | Efficiency Ratio (%) | 80.8% | 79.5% | 81.8% | 79.1% | 75.9% | 72.4% | 79.1% | 78.8% |
| ██▃▂▁▁▃▇ | Cost of Funds (%) | 1.40% | 1.37% | 1.13% | 1.08% | 1.02% | 1.05% | 1.12% | 1.32% |
| ▁▆█▁▇▁▁▃ | NPA / Assets (%) | 0.67% | 1.45% | 1.85% | 0.68% | 1.66% | 0.70% | 0.68% | 1.06% |
| ▃▇█▁▆▁▁▁ | Net Charge-Off Ratio (%) | 1.40% | 2.78% | 3.35% | 0.45% | 2.32% | 0.50% | 0.31% | 0.33% |
| ▂▁▂▃▆███ | Tang. Book Value ($M) | $23 | $22 | $23 | $23 | $24 | $25 | $25 | $25 |
| ▁▁▂▅▆▇▇█ | Gross Loans ($M) | $165 | $161 | $168 | $181 | $185 | $191 | $191 | $199 |
| █▃▂▂█▃▁▁ | Total Deposits ($M) | $303 | $282 | $277 | $274 | $303 | $280 | $272 | $269 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 77% |
| C&I / Commercial | 11% |
| Agricultural | 5% |
| Consumer | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 6% |