Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.53% | +0.28 | 1.25% |
| Return on Equity (%) | ▲ | 15.57% | +0.97 | 14.60% |
| Net Interest Margin (%) | ▲ | 2.96% | +0.23 | 2.74% |
| Efficiency Ratio (%) | ▲ | 48.49% | -6.62 | 55.11% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.14 | $1 |
| Cost of Funds (%) | ▲ | 1.64% | -0.12 | 1.76% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $164 | +13.73 | $150 |
| Gross Loans ($M) | ▲ | $67 | +2.82 | $64 |
| Loan Growth YoY (%) | ▼ | 44.84% | -1.58 | 46.43% |
| Total Deposits ($M) | ▲ | $147 | +11.12 | $136 |
| Shareholders Equity ($M) | ▲ | $16 | +2.59 | $13 |
| Tang. Book Value ($M) | ▲ | $14 | +2.59 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +2.71 | $15 |
| Loan / Deposit Ratio (%) | ▼ | 44.84% | -1.58 | 46.43% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.02% | -0.04 | 0.06% |
| Allowance / Loans (%) | — | 1.19% | -0.07% | 1.26% |
| Net Charge-Off Ratio (%) | ▲ | 0.02% | -0.11 | 0.13% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 21.24% | +0.18 | 21.07% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▆▆██ | Net Interest Margin (%) | 2.53% | 2.54% | 2.68% | 2.74% | 2.81% | 2.84% | 2.91% | 2.96% |
| ▁▁▃▄▆▆██ | Return on Assets (%) | 0.99% | 1.02% | 1.15% | 1.25% | 1.35% | 1.37% | 1.50% | 1.53% |
| ██▇▅▃▃▁▁ | Efficiency Ratio (%) | 60.9% | 60.3% | 58.2% | 55.1% | 52.7% | 52.5% | 48.5% | 48.5% |
| ██▅▆▅▅▁▂ | Cost of Funds (%) | 1.84% | 1.85% | 1.74% | 1.76% | 1.73% | 1.73% | 1.61% | 1.64% |
| ▄▁▁▁█▂▁▁ | NPA / Assets (%) | 0.53% | 0.00% | 0.02% | 0.06% | 1.32% | 0.25% | 0.02% | 0.02% |
| ▄▁▁▁█▂▁▁ | Net Charge-Off Ratio (%) | 1.23% | 0.00% | 0.05% | 0.13% | 3.07% | 0.59% | 0.03% | 0.02% |
| ▃▁▃▄▇███ | Tang. Book Value ($M) | $11 | $9 | $11 | $11 | $13 | $14 | $14 | $14 |
| ▁▃▃▄▆█▆▇ | Gross Loans ($M) | $60 | $63 | $62 | $64 | $66 | $68 | $66 | $67 |
| ▁▂▄▄▅▆██ | Total Deposits ($M) | $127 | $131 | $136 | $136 | $138 | $141 | $148 | $147 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 66% |
| C&I / Commercial | 7% |
| Agricultural | 16% |
| Consumer | 7% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 12% |