Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.84% | +0.27 | 0.57% |
| Return on Equity (%) | ▲ | 6.79% | +1.94 | 4.85% |
| Net Interest Margin (%) | ▲ | 3.13% | +0.27 | 2.86% |
| Efficiency Ratio (%) | ▲ | 68.55% | -5.71 | 74.26% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.14 | $0 |
| Cost of Funds (%) | ▲ | 1.25% | -0.21 | 1.45% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $207 | +1.78 | $205 |
| Gross Loans ($M) | ▼ | $125 | -1.92 | $127 |
| Loan Growth YoY (%) | ▼ | 69.12% | -2.58 | 71.71% |
| Total Deposits ($M) | ▲ | $179 | +3.47 | $176 |
| Shareholders Equity ($M) | ▲ | $26 | +1.10 | $25 |
| Tang. Book Value ($M) | ▲ | $26 | +1.10 | $25 |
| TBV excl. AOCI ($M)** | ▲ | $29 | +1.45 | $28 |
| Loan / Deposit Ratio (%) | ▼ | 69.12% | -2.58 | 71.71% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.11% | -0.43 | 0.54% |
| Allowance / Loans (%) | — | 1.24% | 0.19% | 1.06% |
| Net Charge-Off Ratio (%) | ▲ | 0.18% | -0.69 | 0.87% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 23.82% | +0.21 | 23.61% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▆▆▇█ | Net Interest Margin (%) | 2.53% | 2.59% | 2.72% | 2.86% | 2.93% | 2.96% | 3.00% | 3.13% |
| ▁▁▂▃▄▄▆█ | Return on Assets (%) | 0.41% | 0.43% | 0.49% | 0.57% | 0.60% | 0.59% | 0.72% | 0.84% |
| ██▇▄▄▃▃▁ | Efficiency Ratio (%) | 81.1% | 80.0% | 78.5% | 74.3% | 73.4% | 72.3% | 72.3% | 68.5% |
| ███▆▄▂▁▁ | Cost of Funds (%) | 1.53% | 1.55% | 1.53% | 1.45% | 1.39% | 1.29% | 1.25% | 1.25% |
| ▃▃█▂▁▁▁▁ | NPA / Assets (%) | 1.19% | 0.99% | 3.04% | 0.54% | 0.09% | 0.12% | 0.09% | 0.11% |
| ▄▃█▂▁▁▁▁ | Net Charge-Off Ratio (%) | 1.90% | 1.56% | 4.69% | 0.87% | 0.15% | 0.19% | 0.14% | 0.18% |
| ▅▁▃▄████ | Tang. Book Value ($M) | $25 | $24 | $25 | $25 | $26 | $26 | $26 | $26 |
| ▆██▃▂▄▁▁ | Gross Loans ($M) | $131 | $134 | $133 | $127 | $126 | $129 | $125 | $125 |
| ▁▂▂▂▁█▇▅ | Total Deposits ($M) | $174 | $176 | $176 | $176 | $174 | $183 | $181 | $179 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 74% |
| C&I / Commercial | 18% |
| Agricultural | 4% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 75% |
| Brokered / Other | 7% |