Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.14% | +0.19 | 0.96% |
| Return on Equity (%) | ▲ | 11.48% | +1.04 | 10.44% |
| Net Interest Margin (%) | ▲ | 4.99% | +0.36 | 4.63% |
| Efficiency Ratio (%) | ▲ | 70.09% | -1.94 | 72.03% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.07 | $1 |
| Cost of Funds (%) | ▲ | 0.81% | -0.17 | 0.98% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $225 | +2.43 | $223 |
| Gross Loans ($M) | ▲ | $152 | +1.83 | $150 |
| Loan Growth YoY (%) | ▲ | 74.23% | +0.64 | 73.59% |
| Total Deposits ($M) | ▲ | $202 | +0.75 | $202 |
| Shareholders Equity ($M) | ▲ | $23 | +1.63 | $21 |
| Tang. Book Value ($M) | ▲ | $22 | +1.63 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $25 | +1.42 | $24 |
| Loan / Deposit Ratio (%) | ▲ | 74.23% | +0.64 | 73.59% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.37% | +0.18 | 2.20% |
| Allowance / Loans (%) | — | 1.35% | -0.03% | 1.39% |
| Net Charge-Off Ratio (%) | ▼ | 3.38% | +0.13 | 3.25% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -16.71 | 16.71% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▆▇██ | Net Interest Margin (%) | 4.22% | 4.28% | 4.45% | 4.63% | 4.73% | 4.82% | 4.97% | 4.99% |
| ▂▁▃▃▄▃█▇ | Return on Assets (%) | 0.93% | 0.86% | 1.00% | 0.96% | 1.03% | 0.97% | 1.23% | 1.14% |
| ▇█▄▄▄▃▁▂ | Efficiency Ratio (%) | 74.2% | 75.2% | 72.1% | 72.0% | 71.7% | 71.4% | 69.3% | 70.1% |
| █▆▅▄▁▁▁▁ | Cost of Funds (%) | 1.18% | 1.08% | 0.99% | 0.98% | 0.80% | 0.82% | 0.79% | 0.81% |
| ▁█▅▃▇█▅▇ | NPA / Assets (%) | 2.08% | 2.43% | 2.29% | 2.20% | 2.36% | 2.44% | 2.29% | 2.37% |
| ▁█▆▃▅▇▄▅ | Net Charge-Off Ratio (%) | 3.11% | 3.58% | 3.43% | 3.25% | 3.40% | 3.51% | 3.34% | 3.38% |
| ▇▁▃▄█▅▇█ | Tang. Book Value ($M) | $22 | $19 | $20 | $21 | $22 | $21 | $22 | $22 |
| ▄▂▁▂█▄█▅ | Gross Loans ($M) | $152 | $150 | $150 | $150 | $154 | $151 | $154 | $152 |
| █▇▇▆▁▁▇▇ | Total Deposits ($M) | $204 | $202 | $202 | $202 | $196 | $196 | $202 | $202 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 7% |
| Agricultural | 3% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 41% |
| Interest-Bearing (core) | 48% |
| Brokered / Other | 11% |