Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.40% | +0.32 | 1.08% |
| Return on Equity (%) | ▲ | 11.87% | +1.74 | 10.13% |
| Net Interest Margin (%) | ▲ | 4.37% | +0.52 | 3.85% |
| Efficiency Ratio (%) | ▲ | 55.52% | -5.61 | 61.13% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.45 | $2 |
| Cost of Funds (%) | ▲ | 1.13% | -0.24 | 1.37% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $380 | -2.95 | $383 |
| Gross Loans ($M) | ▲ | $245 | +18.03 | $227 |
| Loan Growth YoY (%) | ▲ | 72.27% | +6.40 | 65.88% |
| Total Deposits ($M) | ▼ | $335 | -5.01 | $340 |
| Shareholders Equity ($M) | ▲ | $44 | +2.33 | $42 |
| Tang. Book Value ($M) | ▲ | $35 | +2.41 | $32 |
| TBV excl. AOCI ($M)** | ▲ | $40 | +2.19 | $37 |
| Loan / Deposit Ratio (%) | ▲ | 72.27% | +6.40 | 65.88% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.04% | -0.10 | 0.14% |
| Allowance / Loans (%) | — | 1.07% | -0.13% | 1.20% |
| Net Charge-Off Ratio (%) | ▲ | 0.06% | -0.08 | 0.15% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.31% | +0.20 | 14.11% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▂▃▄▆▇ | Net Interest Margin (%) | 4.45% | 4.50% | 3.68% | 3.85% | 3.90% | 4.04% | 4.28% | 4.37% |
| ██▁▂▂▄▆█ | Return on Assets (%) | 1.43% | 1.37% | 0.97% | 1.08% | 1.07% | 1.16% | 1.29% | 1.40% |
| ▁▂█▇▇▅▄▁ | Efficiency Ratio (%) | 55.7% | 56.7% | 62.9% | 61.1% | 61.9% | 59.9% | 58.9% | 55.5% |
| ▂▃█▇▆▃▁▁ | Cost of Funds (%) | 1.17% | 1.20% | 1.41% | 1.37% | 1.31% | 1.22% | 1.12% | 1.13% |
| ▂▂▄▃▇▂█▁ | NPA / Assets (%) | 0.13% | 0.13% | 0.21% | 0.14% | 0.36% | 0.10% | 0.43% | 0.04% |
| ▂▂▁▂▆▁█▁ | Net Charge-Off Ratio (%) | 0.21% | 0.21% | 0.13% | 0.15% | 0.51% | 0.06% | 0.69% | 0.06% |
| ▃▁▆▆▇██▇ | Tang. Book Value ($M) | $24 | $20 | $32 | $32 | $35 | $36 | $37 | $35 |
| ▁▁▇▇▇███ | Gross Loans ($M) | $153 | $151 | $228 | $227 | $232 | $238 | $239 | $245 |
| ▁▁██████ | Total Deposits ($M) | $212 | $217 | $341 | $340 | $343 | $337 | $340 | $335 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 67% |
| C&I / Commercial | 20% |
| Agricultural | 12% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 6% |