Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.00% | +0.04 | 0.96% |
| Return on Equity (%) | ▼ | 12.57% | -1.24 | 13.81% |
| Net Interest Margin (%) | ▲ | 2.99% | +0.11 | 2.87% |
| Efficiency Ratio (%) | ▲ | 59.65% | -2.13 | 61.78% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.07 | $0 |
| Cost of Funds (%) | — | 1.11% | 0.00 | 1.11% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $158 | +9.60 | $149 |
| Gross Loans ($M) | ▲ | $65 | +4.20 | $61 |
| Loan Growth YoY (%) | ▲ | 44.62% | +0.37 | 44.25% |
| Total Deposits ($M) | ▲ | $145 | +7.84 | $137 |
| Shareholders Equity ($M) | ▲ | $13 | +1.78 | $11 |
| Tang. Book Value ($M) | ▲ | $13 | +1.78 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +2.05 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 44.62% | +0.37 | 44.25% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.56% | +0.41 | 0.15% |
| Allowance / Loans (%) | — | 1.45% | 0.23% | 1.23% |
| Net Charge-Off Ratio (%) | ▼ | 1.36% | +1.00 | 0.36% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 23.66% | +1.24 | 22.42% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▃▅▇▇▇█ | Net Interest Margin (%) | 2.69% | 2.73% | 2.79% | 2.87% | 2.92% | 2.94% | 2.93% | 2.99% |
| ▁▂▆▆█▇██ | Return on Assets (%) | 0.84% | 0.86% | 0.94% | 0.96% | 0.99% | 0.97% | 0.99% | 1.00% |
| ██▅▄▃▃▁▁ | Efficiency Ratio (%) | 64.6% | 64.7% | 62.6% | 61.8% | 61.1% | 61.3% | 60.2% | 59.7% |
| ▁▁▁▃███▃ | Cost of Funds (%) | 1.08% | 1.08% | 1.08% | 1.11% | 1.16% | 1.16% | 1.16% | 1.11% |
| ▄▁▂▁▅▃▅█ | NPA / Assets (%) | 0.32% | 0.15% | 0.23% | 0.15% | 0.37% | 0.26% | 0.36% | 0.56% |
| ▄▁▂▁▅▃▅█ | Net Charge-Off Ratio (%) | 0.77% | 0.38% | 0.57% | 0.36% | 0.89% | 0.66% | 0.90% | 1.36% |
| ▂▁▂▄▆█▇█ | Tang. Book Value ($M) | $10 | $9 | $10 | $11 | $12 | $12 | $12 | $13 |
| ▁▁▃▅▅▆▅█ | Gross Loans ($M) | $57 | $57 | $59 | $61 | $62 | $63 | $62 | $65 |
| ▁▃▄▅▅███ | Total Deposits ($M) | $128 | $133 | $135 | $137 | $137 | $143 | $143 | $145 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 71% |
| C&I / Commercial | 13% |
| Agricultural | 6% |
| Consumer | 9% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 3% |