Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.91% | +0.08 | 1.83% |
| Return on Equity (%) | ▼ | 17.56% | -1.60 | 19.16% |
| Net Interest Margin (%) | ▲ | 4.26% | +0.19 | 4.07% |
| Efficiency Ratio (%) | ▼ | 54.04% | +0.18 | 53.86% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.01 | $1 |
| Cost of Funds (%) | ▲ | 1.50% | -0.16 | 1.66% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $191 | +3.65 | $187 |
| Gross Loans ($M) | ▼ | $122 | -3.06 | $125 |
| Loan Growth YoY (%) | ▼ | 72.75% | -1.22 | 73.97% |
| Total Deposits ($M) | ▼ | $166 | -1.37 | $167 |
| Shareholders Equity ($M) | ▲ | $21 | +2.09 | $19 |
| Tang. Book Value ($M) | ▲ | $21 | +2.09 | $19 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +2.59 | $21 |
| Loan / Deposit Ratio (%) | ▼ | 72.75% | -1.22 | 73.97% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.34% | -0.21 | 0.55% |
| Allowance / Loans (%) | — | 1.21% | 0.01% | 1.20% |
| Net Charge-Off Ratio (%) | ▲ | 0.50% | -0.33 | 0.82% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▆▆██ | Net Interest Margin (%) | 3.79% | 3.83% | 3.96% | 4.07% | 4.11% | 4.14% | 4.25% | 4.26% |
| ▁▃▆▂▃▅█▇ | Return on Assets (%) | 1.80% | 1.85% | 1.91% | 1.83% | 1.85% | 1.88% | 1.94% | 1.91% |
| ▇▅▆█▇▁▆█ | Efficiency Ratio (%) | 53.5% | 52.7% | 53.3% | 53.9% | 53.6% | 51.3% | 53.1% | 54.0% |
| ▇█▅▅▅▄▂▁ | Cost of Funds (%) | 1.74% | 1.82% | 1.69% | 1.66% | 1.68% | 1.66% | 1.57% | 1.50% |
| ██▇▅▅▆▆▁ | NPA / Assets (%) | 0.73% | 0.74% | 0.68% | 0.55% | 0.57% | 0.59% | 0.61% | 0.34% |
| ██▇▄▅▅▆▁ | Net Charge-Off Ratio (%) | 1.15% | 1.10% | 1.02% | 0.82% | 0.87% | 0.90% | 0.96% | 0.50% |
| ▂▁▃▄▆▇██ | Tang. Book Value ($M) | $18 | $17 | $18 | $19 | $20 | $20 | $21 | $21 |
| ▁▅██▅▅▃▄ | Gross Loans ($M) | $120 | $123 | $125 | $125 | $123 | $123 | $122 | $122 |
| ▇▁█▄▃▁▅▂ | Total Deposits ($M) | $169 | $165 | $170 | $167 | $167 | $165 | $168 | $166 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 57% |
| C&I / Commercial | 18% |
| Agricultural | 8% |
| Consumer | 18% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 56% |
| Brokered / Other | 16% |