Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.07% | +0.17 | 0.90% |
| Return on Equity (%) | ▲ | 9.89% | +1.54 | 8.35% |
| Net Interest Margin (%) | ▲ | 3.82% | +0.33 | 3.49% |
| Efficiency Ratio (%) | ▲ | 61.76% | -3.56 | 65.32% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.17 | $1 |
| Cost of Funds (%) | ▲ | 2.03% | -0.14 | 2.16% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $204 | +10.72 | $193 |
| Gross Loans ($M) | ▲ | $172 | +14.56 | $158 |
| Loan Growth YoY (%) | ▲ | 94.22% | +0.86 | 93.36% |
| Total Deposits ($M) | ▲ | $180 | +14.13 | $166 |
| Shareholders Equity ($M) | ▼ | $21 | -0.11 | $21 |
| Tang. Book Value ($M) | ▼ | $21 | -0.06 | $21 |
| Loan / Deposit Ratio (%) | ▲ | 94.22% | +0.86 | 93.36% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.31% | -0.37 | 0.68% |
| Allowance / Loans (%) | — | 1.37% | -0.24% | 1.61% |
| Net Charge-Off Ratio (%) | ▲ | 0.36% | -0.47 | 0.83% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 13.42% | -1.34 | 14.76% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▄██ | Net Interest Margin (%) | 3.29% | 3.29% | 3.45% | 3.49% | 3.56% | 3.56% | 3.77% | 3.82% |
| ▁▁▄▄▄▂▇█ | Return on Assets (%) | 0.76% | 0.77% | 0.89% | 0.90% | 0.91% | 0.80% | 1.00% | 1.07% |
| █▇▅▅▅▆▃▁ | Efficiency Ratio (%) | 67.8% | 66.8% | 65.3% | 65.3% | 65.4% | 66.0% | 63.3% | 61.8% |
| ██▃▅▄▂▁▁ | Cost of Funds (%) | 2.30% | 2.32% | 2.12% | 2.16% | 2.13% | 2.07% | 2.00% | 2.03% |
| █▁▁▇▁▄▄▄ | NPA / Assets (%) | 0.80% | 0.05% | 0.00% | 0.68% | 0.00% | 0.33% | 0.32% | 0.31% |
| █▁▁▇▁▄▃▃ | Net Charge-Off Ratio (%) | 1.00% | 0.07% | 0.00% | 0.83% | 0.00% | 0.40% | 0.37% | 0.36% |
| ▁▂▂▁▃▃█▁ | Tang. Book Value ($M) | $21 | $21 | $21 | $21 | $21 | $21 | $22 | $21 |
| ▆▅▃▃▁▃██ | Gross Loans ($M) | $164 | $162 | $157 | $158 | $150 | $157 | $170 | $172 |
| ▅▃▂▁▁▂▅█ | Total Deposits ($M) | $174 | $170 | $168 | $166 | $165 | $168 | $173 | $180 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 8% |
| Agricultural | 9% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 9% |