Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.01% | -0.19 | 1.20% |
| Return on Equity (%) | ▼ | 8.50% | -1.88 | 10.38% |
| Net Interest Margin (%) | ▼ | 3.44% | -0.03 | 3.47% |
| Efficiency Ratio (%) | ▼ | 67.17% | +6.03 | 61.14% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.02 | $1 |
| Cost of Funds (%) | ▲ | 1.22% | -0.10 | 1.32% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $199 | +7.54 | $192 |
| Gross Loans ($M) | ▲ | $82 | +0.64 | $81 |
| Loan Growth YoY (%) | ▼ | 48.02% | -1.48 | 49.51% |
| Total Deposits ($M) | ▲ | $169 | +6.39 | $162 |
| Shareholders Equity ($M) | ▲ | $24 | +0.99 | $23 |
| Tang. Book Value ($M) | ▲ | $24 | +0.99 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +1.09 | $26 |
| Loan / Deposit Ratio (%) | ▼ | 48.02% | -1.48 | 49.51% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.05% | +0.01 | 0.04% |
| Allowance / Loans (%) | — | 0.96% | -0.04% | 1.00% |
| Net Charge-Off Ratio (%) | ▼ | 0.12% | +0.03 | 0.09% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 28.77% | +2.00 | 26.77% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▇▇██▆▇ | Net Interest Margin (%) | 3.16% | 3.24% | 3.46% | 3.47% | 3.50% | 3.53% | 3.39% | 3.44% |
| ▁▃█▇▇▆▁▃ | Return on Assets (%) | 0.93% | 1.01% | 1.26% | 1.20% | 1.18% | 1.15% | 0.91% | 1.01% |
| ▄▂▁▁▂▁█▆ | Efficiency Ratio (%) | 65.0% | 62.6% | 60.5% | 61.1% | 61.6% | 61.0% | 69.6% | 67.2% |
| █▅▃▄▄▄▁▁ | Cost of Funds (%) | 1.47% | 1.36% | 1.29% | 1.32% | 1.34% | 1.33% | 1.21% | 1.22% |
| ▁▁▇▇▄▃▁█ | NPA / Assets (%) | 0.01% | 0.01% | 0.04% | 0.04% | 0.02% | 0.02% | 0.00% | 0.05% |
| ▁▁▇▆▃▃▁█ | Net Charge-Off Ratio (%) | 0.02% | 0.01% | 0.10% | 0.09% | 0.05% | 0.04% | 0.00% | 0.12% |
| ▁▁▄▅▇▇██ | Tang. Book Value ($M) | $21 | $21 | $22 | $23 | $23 | $23 | $24 | $24 |
| ▁▁▂▃▆█▃▄ | Gross Loans ($M) | $78 | $79 | $79 | $81 | $84 | $86 | $80 | $82 |
| ▁▁▃▃▅▃▇█ | Total Deposits ($M) | $160 | $159 | $162 | $162 | $165 | $163 | $167 | $169 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 4% |
| Agricultural | 6% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 9% |